On a total opposite example is a YouTube series/channel I started watching about these people that just bought a 1000 year old house in Sicily. The walls at the base of this house are 4-5’ thick of STONE and mortar. The roof is clay tiles. Even the upper exterior walls are about two feet thick. The only wood in the house are the beams to hold up the first floor and the roof. It has survived fires, earthquakes, WW2, etc. These people are repairing the inside because no one has lived in it for over ten years. They also bought an olive orchard. The trees on their orchard also look very old. My point is that maybe we need to adapt some of the building codes from places in the world where structures have lasted the millennium.
A golf buddy lived in Maui for about 5 years before coming back. He had purchased a large lot, close to an acre years ago on the big Island. He said the houses built in that neighborhood were basically fireproof, no large trees, housing spread apart so no jumping, stucco type housing, those tile type roofs you see in FL, and most had pools, a pump in the garage and a type of fire hose.