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Or more to the point. If you have the money to build a beachfront house, why are you not building it to be virtually indestructible? Like one of those indestructible monolithic dome homes.
We can build concrete structures that will laugh at hurricanes. We can build them with their living areas raised well above the ground so water can simply flow underneath and around them. Sure, it's more expensive to build this way, but it can be done. And really, I would argue that if you can't afford to build such a home, you simply cannot afford to live right on the beach.
I always wonder what's going on in the heads of Americans when they go to an area notorious for being hit by hurricanes or tornadoes and then decide they should build their house out of basically toothpicks with some plaster. Here in Switzerland, pretty much everything except for maybe a garden shed is poured concrete, and I guarantee that if the folks in Florida or Oklahoma did the same the "devastation" would be comparatively tiny.
How arrogant of you.
Florida is a little different than Switzerland, not least due to weather and poverty. There indeed ARE fully concrete and hemp-crete type homes (many styles of homes), but they are unpopular (but becoming more popular) because they trap damp (Florida is extremely humid, unlike Switzerland), grow mold, don't breathe, and cause sickness. Since 2005, all newly built homes are required to have concrete and rebar at certain areas including windows and doors.
https://www.etr-aw.com/full-concrete-homes/
They also are prone to cracking due to shifting. The lower blocks can absorb water, either through these cracks or cracks in waterproofing like paint, and then leak with every heavy rain. Cement (a component of concrete) is one of the largest CO2 emitters in its production, and cement dust is carcinogenic. Concrete houses that are flooded (eyewitnesses report up to 25-50feet of water height) will have to be gutted and possibly torn down anyway once flooded, since the flooding itself ruins everything and makes it unsafe. Since you'll have to gut the whole thing anyway, may as well use wood which can be replaced more easily.
Tornados (since you mentioned Oklahoma) can punch a 2x4 board through a concrete wall. Concrete isn't a Kevlar vest house against all weather types and it isn't an ideal material either for building in every climate.
If the people who were flooded had stayed because they had concrete houses, even more would have died, but instead drowned in a concrete box. This was a storm that needed evacuation.
Hi. Brazilian here. A very humid country where I live. Here, almost all houses are made of brick and concrete, even near the seashore. There are even entire concrete buildings near Brazilian beaches (such as Rio de Janeiro, Santos, Salvador, Recife, Porto Alegre, Florianópolis and so on) as well as near rivers (such as Manaus and even at the capital, Brasília). Indeed, mold is a thing, a thing that needs constant cleaning. Wall painting does a role in protecting from mold buildup.
We don't exactly have hurricanes (because it's scientifically a thing from the northern hemisphere) but we do have tornadoes and strong winds very often. We have hailstorms. However, there are very old houses and buildings still standing since 1800, centennial houses.
That's fine and perfectly allowed, but constant mold cleaning fyi isn't good for your health in general compared to minimal or no mold cleaning. The concrete holds moisture, and the paint is what keeps it at bay, sure. But there are likely other materials that can be developed that might not do this. And there's also the impact to the environment to consider, as well as health impacts of what could be getting offgassed in our paints and walls, especially when mixed with cleaners because they are constantly being moldy.
It's not that I personally think concrete houses are bad anyway. I personally think housing variety is important and that housing standards are also important as we learn more about civil engineering. I think concrete has limitations as a material, which is long established in material sciences, that no material is a "perfect" material for everything. There are risks and flaws and benefits to every choice. Therefore again, to answer the question of "well why not all full concrete houses?" It's mainly the 25 FEET OF FLOODING that makes it irrelevant as a solution in this case.