In recent years, there has been considerable focus on ensuring that energy is used in the most efficient manner possible. This is due to the fact that globally, over 70% of energy is generated from fossil fuels. Consequently, the matter of designing and utilizing materials that will negate energy losses within the construction industry is of paramount importance. Simultaneously, the necessity for a sustainable approach to the design and production of materials is strongly emphasized. This paper presents an innovative approach to the use of a combination of mineral and plant-based fillers in polyurethane foam technology as a thermal insulation material with the potential to be used in construction to reduce energy consumption. Polyurethane composites containing fly ash from biomass combustion and the addition of rice, sunflower, and buckwheat husks as plant fillers were proposed. The structure of the obtained materials was studied, and the most important physical properties were analyzed. These included apparent density, dimensional stability, water absorption, and the effects of UV radiation and water influence on the carbon, hydrogen, nitrogen, and oxygen content. Moreover, the mechanical properties of the materials were investigated, including compressive strength and brittleness. Additionally, the foams were subjected to flammability tests using a cone calorimeter. Furthermore, additional parameters were determined, including the limiting oxygen index and the vertical and horizontal flammability tests. The results demonstrate the beneficial effects of combining mineral and vegetable fillers in polyurethane foam.