Comes with the territory. If you're going to build a house within 5 feet of high water line, your going to lose it on a direct hit. If you build it on stilts, you still lose it. Build it 5 miles back from the waters edge and 20 feet above mean tide and you'll probably be ok, unless a big live oak falls on it. There's a reason why larger vessels often prefer to take their chances offshore.
You can build a house that will withstand a direct hit from a cat 5. It’s going to be on concrete piers way up. The structure is going to be made of poured reinforced high strength concrete. Floors , walls , and roof all poured concrete. Windows and doors will be 150mph impact resistant and set in with steel shutters rated over 200mph resistant. Everything structural is built to 200mph+. A family friend built one in the keys. He said the engineer rated the structure to 300mph. Expensive to build !
