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In Florida, the irony is that hurricane is the reason for not having too many solar panels. For example, Miami-Dade county requires commercial solar panel installation to have hurricane-approved solar mounts, which can withstand up to 160mph+ winds. This means installation is very costly. Even for homes, many insurance company will not insure homes with roof solar panel because of hurricane.

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That's a requirement for everything, not just solar panels. The price premium for it is not that big since that's the only type of mounts you can get in florida. All modern housing is mostly category 5 rated due to the fact that hurricane damage grows exponentially as it picks up mass.

Do they build a lot of cinder block homes with flat, tarred roofs?

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