A bit off-topic, but: - Why is housing construction in the US so fragile? We see all the time news footage of hurricanes making short work of US homes that ar

A bit off-topic, but: - Why is housing construction in the US so fragile? We see all the time news footage of hurricanes making short work of US homes that are made of wood - and yet - after, they are reconstructed new again out of wood! - Don't different types of construction have different insurance premiums? - Why isn't housing in the US built out of reinforced concrete & bricks, like in Europe? Curious to hear your views / insight from this field. Thanks!