I live in a appartment with central heating. The during a renovation the house has been isolated, so that even in winter I can leave the heating off or on low, unless the outside temperatures go below zero.

After the last energy crises Switzerland made laws that I think makes isolation mandatory (will look it up), for new houses and when you renovate. Two years ago the school house of the community has been renovated and isolated. They also have a non oil, alternative heating system, but right now I can't remember what it is.