Tiled Roofs may look gorgeous but they may also be a pain in your wallet. Repairing tiled roof can cost an arm and a leg so look carefully at what you have and the age of your roof.. Historically frame vs cbs during a hurricane will not matter.They both will be knocked down. Overall the CBS home is a better value and most often a better re-sale. Termites do not eat concrete contrary to common belief. Termites do not feed on concrete, stucco, fiberglass, insulation, or other non-organic materials, because these materials do not contain cellulose. However, termites can tunnel through cracks or weakened areas in concrete to get to underlying wood. Another note:some older concrete homes are not build high enough and compare to pilling frame homes are more susceptible to 1st floor flooding. You have to make sure of the elevation.The ideal would be a concrete home on pilings, with stucco applied directly on the blocks or the concrete foundation or with an elevated building site.Some homes may sound like cbs homes but all they are is some mesh wire hammered to the studs with concrete stucco mix over it.They may be brittle and crack. Another attractive alternative if you like the Florida Look or Key West home of newer frame homes would be the part concrete/or pilling foundation, no wood siding and there your insurance would be similar to cbs homes.The whole trick about insurance is if you are in a flood zone ( low elevation under 10 feet for example or barriers islands or low spots along rivers and canals ). You need to take all this into consideration as you ask for a quote from your insurance.No home new or old is safe from termites, they create mud tubes which can go through slabs , bricks, pre-treated wood and more I was told my numerous home inspectors. Certainly frame homes are more work to keep up with. Its a question of elevation, age, architecture and location.
I don't think you will see any difference with insurance.
A funny story . . . In the 1980s at Mich. State. Univ as bunch of us were looking through photo albums and a girl from Detroit gasped at a picture of another girl's home.
Detroit girl said, "You have a wood house?!!!"
Country girl, "Yeah, why?"
Detroit girl, "Aren't you afraid of someone burning it down?"
I haven't bought a wood house since, even though the reality of that happening is extremely rare (unless it is Halloween in the 80s in Detroit).
Problems with wood frame homes come in different types and colors. One would be the price of insurance, as you mentioned. The other with the longevity of the home. If the house has stucco, then you should be concerned with rotting of the metal mesh that holds the stucco to the actual wood frame. If it has siding, how the members behind the siding are holding up.
It's a good idea to ask for insurance information from the previous owner and to talk to your insurance representative. It's also important for you to do the right inspections.
I recommend looking into newer Cat 5 hurricane resistant houses that are also "green". Remember, think about selling 5 or 10 years from now. Who knows where utility prices will be and who knows what kind of storms we can expect. The major advantage of Cat 5 Green houses over wood is that they are better at Resale time.