I have the wood/vinyl. When I ordered my home I had them put the outside insulation on. Added insulation and the vinyl does not buckle. In the past eight years I have never had to replace a missing shingle and I have never had a crack in the walls.

I am very happy with my choice.

I have one of each and both have good and bad points. As to the sound proofing and insulation value, I disagree with previous posters. I actually find the frame home better insulated and hence better sound proofed and heating cooling then the block home. Block needs paint, vinyl needs more pressure washing, block cracks and vinyl can break or melt, block better in high wind, frame is much easier to change electric and lighting on outside walls. The list can go on for pages. Both are very viable products and make good homes. Buy your home for the best reason every defined for real estate, location, location, location, not block of frame.

Lived in a concrete block home for 12 yrs. here in Tampa.
Wouldn't live in anything else!