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Benefits to living in an ICF Home

BENEFITS OF LIVING IN AN ICF HOME Jul 14, 2020 | Disaster Resistance, Energy Efficiency, Featured Stories, ICF Costs, Why ICFs?



When the heat or A/C goes out, ICF homes will maintain steady room temperature far longer than any other wall assembly.

Insulated Concrete Forms (ICFs) are gaining popularity as a home building material, and as demand for high-performance homes increases, so does interest in ICFs.

They offer a host of benefits, such as lower energy bills, faster construction times, decreased maintenance and quieter interiors, but the primary reasons behind their growing popularity is their remarkable energy efficiency and strength.

There’s no need to compromise on aesthetics, either. Architects can design an ICF home to look just like a wood-frame house and still take advantage of all the added benefits of building with concrete. The floor plan can match virtually any style, and ICFs are compatible with all popular interior and exterior finishes.


The key to all of this is the remarkable combination of foam and concrete. Regardless of the brand of ICF chosen, all consist of two rigid EPS foam panels which sandwich a core of reinforced concrete. The concrete provides exceptional strength and thermal mass; the foam provides a continuous layer of high performance insulation, and doubles as an ideal substrate for many finishes.

ENERGY EFFICIENCY Let’s talk about energy efficiency first.

Efficiency experts use a blower-door test to determine how drafty a house is, measured in air changes per hour (ACH).

For many years, ICF experts talked about “performance R-Value.” These figures were impossible to verify, and the term has thankfully disappeared. But the concept remains true: The actual energy performance of an ICF wall far exceeds its nominal insulation value, both in the lab and in the real world. This is due to a combination of three factors: More insulation, less air infiltration, and high-mass walls.

Higher Rated, Continuous R-Values: The R in “R-Value” stands for resistance, and the higher the R-Value, the better the wall is at resisting the flow of heat.

EPS foam, from which ICFs are made from, is one of the best insulating materials yet invented. Imagine a disposable foam cup, where 1/8 inch of EPS foam is all it takes to comfortably separate your hand from a scalding drink. ICFs typically have five inches of EPS insulation with tested insulation value of R-22 or R-26. Some ICF manufacturers offer even thicker sidewalls, with tested values of R-32 or even R-40.

Additionally, that insulation is continuous. With frame construction, the average frame wall is 25% wood, so even though the fiberglass or cellulose may be rated at R-13 (for 2×4) or R-19 (for 2×6), the “whole wall” insulation value is significantly less.

Finally, with ICFs, the owner is assured of continuous insulation without gaps or installation mistakes.

Airtight Construction: R-Values don’t accurately reflect real-world conditions, partially because lab tests don’t consider issues such as the level of airflow through the wall. Anyone who has lived in a drafty house when a winter storm howls outside knows how significantly air infiltration affects heating bills.

Efficiency experts use a blower-door test to determine air changes per hour. A modern, well-built house with homewrap and caulking typically tests about three to six ACH. ICF homes typically test at less than 0.5 ACH. Even hurricane-force winds can’t force their way through the four to six inches of solid concrete.

Thermal Mass: Many historic buildings in the American Southwest have pleasantly cool interiors even when the hot summer sun has been beating down on them for hours. The secret is in their adobe walls—usually several feet thick—that take hours to heat up. And when the sun sets and temperatures drop, the stored-up heat keeps the interior pleasant through much of the night. This phenomena, called thermal lag or temperature damping, is due to the mass of the walls.



Heavy walls take hours to heat up during the day. Then the stored-up heat keeps the interior pleasant when temperatures drop at night.


Heavy walls take hours to heat up during the day. Then the stored-up heat keeps the interior pleasant when temperatures drop at night.

Like adobe, ICF walls take advantage of thermal mass. Even a modest ICF home uses dozens of yards of concrete, and that weight creates thermal lag in ICF structures, moderating temperature swings.

The ICF Manufacturers Association (ICFMA) and Portland Cement Association (PCA) have extensive testing data verifying the impressive energy savings of ICF.

In simple terms, ICF construction generally cuts energy bills in half. If additional steps are taken, such as adequate attic insulation, quality windows and doors, and a properly-sized high-efficiency HVAC system, the savings could be even more.

SAFETY ICF homes offer a level of safety no other building system can match. They are more than 10 times stronger than framed structures, and several times stronger than CMU “cinder block” construction as well. It’s a natural result of having exterior walls with a core of solid, steel-reinforced concrete.



These three ICF homes in San Bernardino were the only survivors in the neighborhood after a devastating 2007 wildfire.


These three ICF homes in San Bernardino were the only survivors in the neighborhood after a devastating 2007 wildfire.

ICF homes have survived wildfires, arson attempts, hurricanes and tornadoes, storm surge, and drunken drivers. The military and law enforcement favor ICF construction because it offers ballistic and blast protection.

A few years ago, the insurance industry set up a program to encourage homeowners to build more durably. The Fortified…For Safer Living program specifically encourages ICF use. In some areas of the country, insurance companies will give discounts for “Fortified” homes, or for ICF homes in general.

As one might suspect, building a disaster-resistant home requires more than just ICF walls. Impact-resistant windows, metal storm shutters on all openings, and a disaster-proof roof are all popular upgrades for homeowners concerned about safety.

Still, many experts believe ICFs are the most cost-effective—and aesthetically pleasing—way to protect occupants and their belongings from natural disasters.

When a raging wildfire swept through the suburbs of San Diego in the fall of 2007, it forced more than half a million people from their homes and destroyed more than 2,000 residences. On one suburban street in San Bernardino, every home on the block was burned to the ground, with the exception of three ICF homes, which a newspaper photographer captured standing virtually unscathed amid the charred wreckage surrounding it.

Contrary to popular belief, the foam used in ICFs will not burn. It will melt if exposed to high heat, but it will not contribute any fuel to the fire. In fact, it is virtually “self-extinguishing,” thanks to a flame retardant all of the leading ICF manufacturers add to the EPS foam.



This beachfront home in New Jersey withstood Superstorm Sandy when those around it were reduced to rubble.

Other notable examples of ICF homes that have withstood disaster include a beachfront home in New Jersey that withstood Superstorm Sandy, despite having it’s siding scrubbed off by the pounding waves, and a Gulf Coast ICF house that withstood a 20-foot storm surge generated by Hurricane Katrina that swept the rest of the neighborhood down to bare foundations. SOUND ABSORPTION A few years ago, 75 ICF homeowners were surveyed about the features they appreciated most in their ICF homes. It’s no surprise that energy efficiency and disaster resistance topped the list. But benefits numbers three and four were comfort and quiet.