This will depend first on the age of the wood frame home. As a general rule termites do not like treated wood but enjoy softer woods. If you own a wood home on a canal the upkeep will be much more costly and will take more time. These days with the advances of vinyl siding and masonry composites ( specially after Andrew in 1992 and the following stiffer Building codes), the mix of steel partition walls and roofs, the hurricane strapping along rafters, the differences are less important.Mold will develop under overhangs, along ac units along cbs or stucco homes as well as frame homes, the big differences is how much trim and wood there is outside.If you see a wood frame homes on wood pilings for example you are going to run into problems specially if the home is older. My home was build in 1937 and I changed all the pilings to the modern concrete blocks and r-bars and strappings.The wood is some yellow Floridian hard pine which does well against termites but you still have to keep up with it and have your home checked for these pesky creatures.This hard yellow pine was aged much longer then today and you will have a hard time cutting it or drilling it.I know from experience.
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.