If the majority of your home was laid out as a basement with a similar ratio to an iceberg then it would be cool in the summer and hot in the winter. When you see an ice berg in the ocean, most of it is under water.
There would only be a small portion of your home sticking out of the ground, the lobby and entrance. Everything else would be below the ground. You wouldn't know of it was raining, snowing or windy. Perhaps there would be some fake windows that always show nice weather, windows with a screen or lights behind them.