You can’t get loans if you don’t have insurance.
Yet what does every single new home in Florida have? A composite shingle roof, no built-in 100mph+ storm shutters, etc. No requirement for built-in backup power.
This is one instance where insurance should be free to properly price risk. Make classifications of storm resistance and price each home based on what standard it meets.
Frankly California has the same problem with earthquake insurance even though it's all sold by the state created (but supposedly not backed) authority. The rates mostly don't reflect any earthquake-proofing nor what standard the home was built to. If you retrofit a 1930s home to the best modern standard you still pay the same rate as your neighbor who did not.
And once one shingle pops loose suddenly it's much easier for the wind to get under the other shingles near by and the failure can cascade like dominoes in a hurricane situation. Going from a simple repair to replacement of a section or to a whole roof replacement.
Also an other aspect is double checking the shingles are properly placed otherwise the seal strip won't adhere in the correct spot on the shingle below making it easier for the adhesive to come loose and again same problem.
The thing is if you have seen how fast most roofing companies put a roof on a house do you think they are going to do this right?
Also sadly if the roof fails during a hurricane it just means more work for them in the future which means more money paid by insurance. So their incentives are not there. Like there are some roofing companies that will go door to door after a major storm looking for houses basically that have storm damage and get the homeowner to file claim. Looking for things like an out of production shingle so instead of a repair insurance has to buy a whole new roof since replacement shingles don't exist. It's really scummy. The sad thing is this scummy behavior had lead to insurance companies way more likely to deny claims that are valid. I remember seeing a video of roofer with an insurance adjuster acting like what the roofer said was not true or not comment or document it. It was kinda insane and sad at the same time.
Last note: Although shingles without a hurricane rating in my opinion should not be installed in places like Florida.