Charley can damage your health

Whilst I have every sympathy for the victims in Florida from the destruction caused by hurricane Charlie, I can't help but have this thought every time a hurricane or tornado hits the east coast of America or the Caribbean - Why do they build houses out of matchwood and not stone, brick or concrete, specifically in areas prone to adverse weather? Haven't they ever heard the story of the 3 little pigs?
Ok one argument maybe that if one is going to be hit by a hurricane on a regular basis, then wooden houses are cheaper to rebuild. But that doesn't stop you or your possessions being spread around the next two counties. I don't recall seeing many weatherboard houses in New York or Washington.
Am I Missing something here?