not just hurricanes and tornados but floods, fire..everything I guess but earthquake, which wood does well in...and social considerations...why do they build motels or schools or multiple family situations where some of the residents are going to be dysfunctional to say the least..as in burn the places down..I am thinking through leaving cigarettes burning and pots on but other ways too. You as a tenant have no way of controlling what your neighbor does but you are subject to their stupidity. And yes, people will build the cheapest way (I am not convinced that is wood)and the way that they know how...but it makes no sense..if you do have a flood or messy disaster you can't really get wood clean..some ceramic type of building you could clean at least...and it is not all mother nature..you have people cooking meth in their sinks..I don't know if harder construction would keep you from having to destroy the building..and then there are termites, mold (which can grow in other stuff of course)etc...whatever happened at least to cement block? I find it pretty myself but lots of people don't, but reinforced it is safe in many circumstances...now quick before they start rebuilding they have to look at building codes. mg