I guess moving isn't an option?

Look at ICF systems - insulated concrete forms = monolithic walls. They have been around long enough. In Florida, make sure that your builder uses treated insulation - termites, carpenter ants, etc don't eat plastic foam, but they tunnel thru it at warp 9.

Keeping the lid on can be done many ways. Do at least what the truss manufacturer or someone like Simpson Strong-Ties says - the building code requirements are MINIMUMs, remember? Or for a ton of money you could go with a flat pre-cast concrete roof deck that is properly anchored to the walls. In any case, sooner or later you're going to suffer some damage to the water resistent part of your roof, be it tiles, tin, or epdm, so be prepared for that. Loosing a few tiles - or even all of them - is not the same as having your roof blown off and then your house wracking into a twisted pile of debris because the builder and inspector don't know how to spell "shear wall". (OK - most inspectors know what they are...)

Any well-built home that fully complies with Florida building codes will weather the storms - sadly, even today important details are omitted or poorly done in new construction. And IMHO, the tile roof requirements were poorly thought through and absolutely not uniformly built/inspected correctly. Anyway, a frame house offers no protection against missile damage.

I don't know about hurricanes but I can categorically state that hollow concrete masonry units will NOT stop tornadic missiles very well. Besides, in residential construction you'd have to hover over the masons all day to make CERTAIN that they properly installed, lapped, and grouted vertical reinforcement, horizonatal bond beams and/or joint reinforcement, etc. Sorry, but that's the general case sad truth. Hard enough to do that on commercial construction with an on-site QA guy.

Many of the better-built factory-built homes are FAR superior to stick-built homes in terms of structural integrity - but a lot of that depends on your local state requirements (if any) for factory built homes. The ones that meet our state requirements are STOUT.

Cheaper safety is a concrete-walled safe room inside your conventionally built house - you can even have that retrofitted or DiY to your existing house. Think solid masonry walls with at least #4 rebar in no more than a 2' grid vert x hor. If you use cmu walls, grout every cell full for resistence to missle penetration. Cheaper to form up and pour concrete with the same 2 x 2 grid of #4 or #5 re-bar. Don't forget about the lid of the safe room being able to take large impact loads and carry significant dead loads (like a collapsed house) Won't keep an improperly built house standing, but you'll be safe.

I'll leave the discussion about declaring hurricane damaged areas federal disaster areas for a less kind forum... you're talking about building genuinely hurricane-resistent in the future, which is the way to go, IMHO.

A often-stated thought: How did the Spaniards build there? Aren't there still OLD buildings that have seen generations of hurricanes? I don't know the factual answers to those questions, but it might be useful to look at that.

Food for thought, anyway.

Regards,

Tom