Appeal to nature fallacy. Just because something is a certain way in nature doesn't automatically mean it's good because nature has no concept of good or bad. Living in "the wild" has a far higher mortality rate than any of us should accept today. By your logic nothing should be a human right because we can always just die if we don't have it, just as nature intended.

Also, humans originated in the African savannah, which is much warmer than the places most humans now live. And even in the savannah at the dawn of our species we were nest building animals that instinctively would make shelters for ourselves. Housing is as natural to humanity as hives are to bees.