what type of insulation should i get for my house?

New construction?

I just built a 3,500 sq ft house and spray foamed the entire house. Last electricity bill for last month was $75

I would say the opposite is best because 70% efficiency is lost through the ceiling. Spray foam the ceiling rafters then bat the walls if you’re looking to save a little money. This will also improve efficient to your AC unit due to the ducts being in a “cooler” attic as opposed to attics will blown insulation in the ceiling and reaching temps of 120+ during summer months.

Serious question- can you remove the spray foam from the walls if the house floods?

You can cut spray foam with a utility or drywall knife. But closed cell foam doesn soak up water so not sure it's actually necessary?

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Serious question- can you remove the spray foam from the walls if the house floods?

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serious answer - no, you are screwed and everything must come out and be scraped off the framing and walls, its the only way to prevent mold and rot

and it doesnt even need to be a flood, a simple busted water line upstairs can lead to having to open up and redo an entire side of your home.

closed cell wont allow water in, but no job or coverage is perfect so it can and will have the inevitable voids in a few spots to trap water that you wont know about until serious damage and toxic mold health risks are involved

I just finished up my house and did a combination of open cell foam and blown fiberglass (plus a little batt).

I did open cell foam in the 2x4 walls. R38 Blown fiberglass in the attic. Batt in the bonus room/open walls and garage.

My house is 4000 sqft and electric bill is less than $100.

If you encapsulate the roof, gas appliances in the attic space have to have special venting for them. Also the HVAC may need to bring in fresh air as well.

The cost difference between my combination and encapsulating my roof, was over $7k not counting any venting cost for appliances. Based on my electric bills now, it would have taken a very long time to return that money.

Every house needs a certain amount of fresh air regardless of what the temps are. Opinions on how you do that are all over the board. Foaming the roof rafters is the way to go. Of course the insurance and pest agencies are putting up a real fight against that along the gulf coast..

yes, new construction

Can’t inspect for termites due to everything covered in foam. Bonds are hard to get with spray foam on roof, but several companies offer them, and its 100% worth it (foam on roof deck I mean).