For us from Europe, it is interesting to see what some American cities look like after tornadoes.
For sure, we do not have them here, but have hurricane-like wind sometimes, especially in the area where I live.
I remember fall of 2004 when such a strong wind damaged some parts of the city (trees fell down, a lot of other objects were damaged on the outside), but it was cleared in a day or two.
We have mandatory insurance scheme imposed by the state for all buildings that have two or more co-owners (apartment blocks).
You can be uninsured only if you are a sole proprietor.
Just to let you know that I see that hurricane wind speed, depending on the category, is between 1-5, and 110-200 km/h.
I am checking the statistics, we have here regularly 150 km/h, including area where I live, and Wikipedia is quoting 180 km/h, 200 km/h, 248 km/h and even 320 km/h when the gauge broke (and it was not even meant to measure that high!). I think that 320 km/h exceeds most hurricanes.
We do not call these things hurricanes here, we call them "wind".
Very often I even ride at that wind (even though that is not too smart, especially at highway speed).
Usually, there is no damage, here and there some branches fall off the trees, traffic signs and large panels might be torn out or here and there a piece of roof tiling might fall off, but that is all. Sometimes highways and bridges are closed down because wind is so strong it can blow off the road trucks, buses and motorcycles. It also does not have constant speed but it changes speed very quickly, sometimes from 0-150 km/h several times in a single minute!
In fact, I wanted to say that it is interesting for us to see on TV that many homes in USA seem to be made of things like some sort of thick pressed cardboard, plywood and puzzle-like panels that seem to be blown away after the winds gets strong. Also it seems that many homes do not have solid foundations, but there is a thing called crawl space, I think, underneath. Such things are not heard of here.
Traditional building material here were stone blocks, at least until beginning of the 20th century. So, for example, this would be such an old house made of stone:
http://www.beatum.hr/slike/kuce/kamena-kuca1-2.jpgStone does not provide a good insulation, clay made bricks do, so after WW II everybody switched to baked red clay bricks, over which insulation made of styrofoam is being placed along with anti-moisture thermal facade. Here is one example of such a building during construction:
http://www.nekretnine365.com/nekretnine-bosna/images/listing_photos/2105_157_brackokod20servisa20mise20panica202.jpg . At every corner and strategically inside support walls, special anti-earthquake bricks are used in a zig-zag fashion to redistribute forces. For example, I live in one such traditional house made in 2004.
Finally, we have some houses that are similar to those throughout USA. I do not know the exact term for them, but they are made of pre-made blocks that are transported and assembled on site, they can be quickly built, they are light, well insulated, earthquake resistant, but they also have solid foundations, usually made of reinforced concrete. They are also a bit cheaper than traditional ones.
It is always interesting for us to see that some family houses in USA are made of so cheap and unreliable materials, especially in areas where tornadoes and hurricanes are not an exception, but norm. Why is that so? I could understand that if their price was several times lower than the price of similar but "solid made" house. Is that the case?