American housing is built the way it is not due to extra interest in safety, but because it's cheap to build under US prices. You can call it better or worse than Europe, but it sure isn't earthquakes.
This was the case but it's not really true any more. Building codes have become more stringent and risk specific. This hasn't changed anything around earthquakes though as as building a single story wood building that stands up to an earthquake is easy, building one that withstands a hurricane is harder.
Wood buildings can last hundreds of years but require far more upkeep.
HVAC also can generally also be run under floors (and outside of the USA forced air systems are pretty unusual so you're only dealing with pipes).
Sorry to put it this way, but is this a joke? I do live in Bucharest, in Eastern Europe, on the 8th floor of an apartments building built in the early 1980s, and I sure do hope that this building can withstand a Magnitude 8 earthquake seeing that we've had a 7.5 earthquake back in 1977 and a 7.7 one back in 1940 (and a 7.1 earthquake back in 1986, which I do remember).
When the huge construction boom began in Cluj in the first decade of the new millennium, the common opinion seemed to be that the old, ugly socialist-era blocks would survive an earthquake just fine, but people were less confident about the new buildings that private developers were constructing.
This is how modern European brick houses are built:
https://stock.adobe.com/de/images/unfinished-brick-house-sti...