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There are new shingles on the market that are hail resistant, specifically GAF. And, Owens Corning TruDef shingles have a fantastic SureNail strip that gives them extra strength agains high winds. If you are building a home, there are extra steps, especially strapping sidewalls to rafters that can be taken. Miami-Dade Florida building department has some great ideas to this. Depending on where you live, you may face either flood/storm surge, Hail, tornadoes or snow load issues particular to your geographic location. If you go to your local building department they may be helpful.
If you can post up a picture of the home I can give you more acute observations.
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