In S. Colorado, many folks here will "half-bury" the tank, build sides up with their choice of material, and build roof system ... this is for a large tank of 1000's of gallons, which in itself offers a bit of freeze protection for this area (too much water to freeze solid). The more you berm, or insulate w/ rigid sheets, the better.
Rigid insulation might become a highway for termites, or campsite for
ants, so protect per your region (or use something different).
We use a grundfos water pump, w/ small internal reservoir, and this gives us about 40psi from our IBC (in a utility shed) to the rest of the system; it takes some power to get spinning, so might need a "kickstart" device in front of it.
Hope this helps ...