Strong earthquakes mean you can only really build with wood or steel frames, so that is what they build with. Steel framed construction is significantly more expensive to buy, build, and maintain, so it isn’t commonly used in houses since they don’t need the extra strength.
You don’t need masonry to be fire resistant. Large brush fires would drop burning embers all over your house when I lived in the southwestern US, but the ubiquitous stucco-and-tile exteriors were largely unaffected.
Finally, there are only two types of concrete: Concrete that has cracked, and concrete that hasn't cracked yet.
For the next twenty or so years, most new construction was in heavy concrete that looked like it could withstand a nuclear bomb.
https://www.abc.net.au/news/2017-10-31/curious-darwin-top-en...
Then the next generation apparently forgot about Tracy, and the current crop of buildings have the wispy floor to ceiling plate glass windows etc you'd see in any modern designer building slash greenhouse, which is spectacularly unsuited to a tropical climate and even worse for cyclones.
> The perception that a single-storey brick house would offer better protection from a future cyclone was largely borne out of fear rather than facts, Troppo Architects director Jo Best said. ... "I think also that there's a bit of misconception to why people think a block house is safer than a framed house. It's not the case, they are both required to meet a certain structural code and you can't get a building permit unless that happens."