Abstract: The housing system uses foam filled cement and fiberglass clad panels and cement fiberglass moldings to construct modular housing. The panels have a foam core made of polystyrene bead foam coated with an adhesion promoter and then covered with a laminate consisting of layers of continuous strand fiberglass matt and Portland cement. The moldings used to fit the sections together are also made from Portland cement and fiberglass. The panels can be shaped to serve multiple purposes, such as roof panels. Wall panels can be oriented so that the space left between the panel ends and the moldings can be filled with cement. An adhesion promoter can also be used to assist the bonding between the foam and fiberglass panels and the cement fiberglass moldings to provide greater structural strength for the resulting structure.