I live on Canyon Ferry Lake, MT, and my dogs are young, so they are often inside. However, a good friend of ours has a 7 yr. old female yellow lab who is ALWAYS outside. Her kennel is built on the backside of the garage for protection from the wind. She has a doghouse that is surrounded by hay bales. There is hay under it, next to it, behind it, and on top of it. Her kennel is covered by a tarp. She climbs the hay into her house. Also, there is a bed of hay in her house. The door to the dog house is facing the direction of the garage, so the wind won't blow on her in there. The key is to keep the doghouse OFF the ground, which freezes. When on the hay, the dog's body heat can circulate. This is a bit of a pain to change her hay, but if you rotate it every now and then it will keep it from going stale. Also, make sure you clean your kennel every week (atleast), because a dog can make a mess of that hay.
In the summer, get a plastic kid's swimming pool and change the water each day to keep it cool and clean. Our weather is similar to yours, and this works for us. Also, make sure the doghouse is in shade, and build a small platform for the dog to sunbathe on and to lay in the breeze. You can use a sheet of plywood and a couple 2x4's (to keep it out of the mud). Our air is fairly dry, not too humid, so our dogs won't get so sick from the heat as they would in the South.
Also, consider a "dog room" in the house, like an entryway or basement blocked off by a babygate for use in the real severe weather. This will help eliminate your "house dog" fears.
Have a good one fellas.
On your right! Wait, wait, Take 'em!