Footer products, and footers made with such products. Such product includes an insulating member between its upper and lower surfaces. The upper surface receives a load. The interior transfers the load from the upper surface to the lower surface, and distributes the load laterally and longitudinally such that the load received at the lower surface is within the load-bearing capacity of underlying soil. The product provides a thermal shock barrier between underlying soil and the interior of the building. The insulating member can comprise the entirety of the product, or can be combined with top and/or bottom load distributing layers, or can be combined with intercostals which extend top-to-bottom through the foam. Such footers are useful in constructing structures which use footers to spread the overlying load onto a greater surface area of the underlying soil than the cross-section area of the structure which presents the load to the footer.