[Amezarak]

Most of the damage during a hurricane occurs due to the storm surge, which is a wall of water that is pushed up on land and then drains back out.

Even if the structure remains intact - and storm surges have no problem washing concrete and stone away - the house has to be ripped apart. The flooding ruins sheetrock, furniture, carpet, etc and mold growth is a huge issue.

The wind is usually not that big a deal unless you have a tornado during the hurricane. I have a 100 year old wood framed house that has been though many hurricanes, including Katrina. Generally the worst case wind-wise for most people is that you see some minor roof damage and little else unless a tree falls on the house. Wooden houses certainly do not "disintegrate" during storms.

[peterwwillis]

Depends on whether you're in a flood zone. A lot of Florida isn't in flood zones, so storm surge isn't a cause for most of the damage there, it's trees and wind and debris. However, flood zones around the world are growing.

[Amezarak]

You don't need to be in a flood zone to be impacted by a storm surge. You just have to live within ~30ft of sea level. The majority of the gulf coast is pretty flat. Flood-zone maps do get redrawn after every major hurricane, but that's not so much a matter of climate change so much as exactly where the storm hits. Places that have never flooded in a hundred years will flood if a hurricane makes land in the right place, simply because it pushes a couple dozen feet of water ahead of it.

Debris doesn't cause a lot of damage, particularly if you've prepped for the hurricane (by boarding up windows, garaging cars, etc.) The biggest factors are definitely trees and storm surge.