>How quickly (or slowly) do you think building codes will modernize to increasingly extreme conditions?
FL & SC have added code requirements for 'fortified' roofs. (I've read that many of the SE coastal building codes were instituted or upgraded after Hurricane Hazel.) But code upgrades increase costs and that quickly becomes a political issue.
https://fortifiedhome.org/solutions/Solutions - FORTIFIED - A Program of the Insurance Institute for Business and Home Safety (IBHS),