Graphic, but I'm not the least bit worried about raising a roof.My brief "career" working in greenhouses taught me that I NEED more than six feet of headroom to live for any amount of time.
I ALMOST rented once. It was a crappy double wide trailer but in a great location on a great lot. I had perfect credit but something glitched and the guy said my credit check came back as a no-go and that we'd have to postpone our agreed move-in date until we'd gotten it sorted out. I was supposed to move in the following weekend.
Well one night a week later the place was blown away in a HUGE freak tornado in Lady Lake, FL. The neighbors across the street had a skoolie and it was nowhere to be found. Probably blew it to pieces and miles away. But- the brick house down the road a mile was also blown away. Every single brick was gone. The only thing remaining was the toilet somehow.
My point is- nothing is perfect, life is short and unpredictable and you're never truly "safe" anywhere.
But I'm probably preaching to the choir here.
As you said- build it strong, all you can do is your best to prepare for the worst. Hopefully luck takes care of the rest, as it has for me thus far.