The prevalence of strong earthquakes across large parts of the US explains almost all of it. It is very difficult and expensive to engineer a building with stru

The prevalence of strong earthquakes across large parts of the US explains almost all of it. It is very difficult and expensive to engineer a building with structural masonry that can survive magnitude 7-8+ earthquakes, and the building code requires it in many places (M 8.5 where I live). They used to build a lot of masonry buildings in the US just like Europe using the same techniques but they stopped doing it after they were repeatedly flattened in earthquakes. Strong earthquakes mean you can only really build with wood or steel frames, so that is what they build with. Steel framed construction is significantly more expensive to buy, build, and maintain, so it isn’t commonly used in houses since they don’t need the extra strength. You don’t need masonry to be fire resistant. Large brush fires would drop burning embers all over your house when I lived in the southwestern US, but the ubiquitous stucco-and-tile exteriors were largely unaffected.