In The Netherlands we build very sturdy homes. That's why concrete is mostly used. In earlier ages bricks were the main building material. We are a country direct to the sea, with a huge coast-line (well, relatively of course). We have a mild-sea climate here. The lowest temperatures (which we would call extreme) is -10 degrees, highest around 30, 35 in extreme hot days. But the average is pretty mild.
Indeed, a large area of our country is well below sea-level (the lowest point is not too far from my home at -6,76 meters !!!) so if it weren't for our world-famous dikes and other water protection, we'd have pretty wet feet here

What makes you think concrete homes would be harder to heat ? All modern build homes are very will insulated with rock-wool or stuff like that. If I compare my (gas operated, we have gas lines like water lines across the country) central heater to the one my uncle in Massachusetts has it's tiny. He has an oil operated heater, and it's huge, but if it is -20 degr. Celsius there, he still want to have +21 inside....that's a task our heating will never have to face.
I am always amazed why they build so many wood homes in f.i. the US where there are lots of hurricanes and tornadoes, and then we see all those demolished homes. I would think concrete buildings would survive a lot better.
I guess wood is simply the cheaper way to build.
.... then the carcass is built with prefab concrete modules or with large cementblocks......
Yes and there's another popular method (like my house was built, about 14 years ago): tunnel-building (as we call it).
A metal "tunnels" are placed over the floor and concrete is poored over them. It's a bit hard to explain, here's a picture:

Note that the electricity pipes get installed prior to pouring the concrete so that they are recessed in the walls.
And here's some of those tunnel elements. You can see they can remove them easily once the concrete is set. The setting is quickened by heating with gas burners IIRC.

This method is used where there are a good number of same houses build at once (we have a lot of "row-houses" as we call them, that's homes which share walls.)