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I was convinced with the merits of tile roofing in southwestern wildfire areas after seeing an arial photo of an entire town burned to the ground with a few tile-roofed houses standing in the middle. They may collapse from internal fire, but for wild fires seem the best choice.
Florida construction should be galvanized all-steel framing, a roof with little or no overhang to tear off, single story and rounded if possible for a low wind profile, and build on high ground on concrete stilts for flooding.
Probably a good idea to put a ring of I-beams all around so the house dosen't get bashed by the misc debrise.
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