Except for the obscenely wealthy, homes cannot be constructed to withstand all possible hazards. They are typically targeted to endure maybe a couple of standard deviations from the local norm. As the norms for weather change, we're all left behind.
I recall the photo of the pillared cement foundations of a "hurricane-proof" beach home built along the Gulf coast, near Biloxi, Mississippi. Atop the 15' tall pillars was a solid cement floor, upon which the house had been built. As hurricane Camille came ashore there in 1969, the home's owners held a hurricane party, with over a dozen guests.
I saw the photo during a hurricane safety briefing in the Air Force, ten years later. It showed the magnificent foundation and cement floor. There was nothing—absolutely nothing—standing above it. None of the party goers were ever located.
Bob
EDIT: That hurricane safety briefing was on my way to my first assignment on active duty, at Tyndall AFB, on the north Florida Coast. Tyndall AFB itself was nearly obliterated in 2018 by hurricane Michael.