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Where are you that you think the frost may be that big of a problem?
Interior or exterior insulation?
What kind of natural soil and backfill do you have?
Around here we have 4' to 5' of MAXIMUM frost penetration. The actual penetration can be much less, especially depending on the location and exposure. It will be much deeper where there is traffic and can be zero at -20F if there is snow.
Exterior insulation of foundation walls has been fairly common around here for years with no common problem due to frost, even for 12" unreinforced block basements. If you insulate, the only type to use is EXTRUDED polystyrene and not EXPANDED polystyrene (the cheap white stuff that is only good for coffee cups).
The total annual energy savings for an insulated basement is not as great as you would think, you you do get confort if it is finished.livable space.
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Dick
Engineer, designer and consultant recently active internationally on construction and design in about 35 countries.
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