Not exactly what you’ve asked, but I’ve seen and spoke to people about this while traveling.

It absolutely still happens in many places that use more primitive construction methods. I’ve visited places in Belize where locals told me about devastation after hurricanes. It can flatten entire areas, especially the poorest ones. I’ve also witnessed it in parts of Mexico, although steel and concrete construction is much more common. Thatched roofs can be found in certain areas, and of course, people without means still use anything they can get their hands on to build homes - like thin metal sheets. A bad storm can destroy many homes, if not entire communities. Roads wash out and make transportation extremely challenging.

Sometimes people come together to rebuild. It might be as easy as taking down more local trees or gathering the materials that the wind threw everywhere. It’s still a pain, especially when most people capable of laboring would rather be working for income instead of rebuilding their home.

The unfortunate reality of today is that these events often cause mass exodus. People don’t have insurance, and the literal land they have might be the only asset between them and absolutely nothing.

This is when predatory investors can come in, offer pennies on the dollar for land, and grab up large sections for almost nothing. Then the people use whatever they get to try to make a fresh start, quite often in a different location where housing already exists, like the closest city. It would be possible for this to be a mutually-beneficial exchange, but it’s more often predatory as hell with extremely desperate sellers and buyers who don’t offer anywhere close to actual market value in a normal time.

Seeing this devastation makes you quite thankful for things like disaster relief, disaster loans, emergency responses on a large scale, and insurance. None of those programs are perfect, but the alternative is tragic (unless you’re wealthy and don’t care about the well being of others).

I see that as the cause. The boomers held on tight to power, shafting Gen X in many ways. They still got to ride the coat tails of wealth, but were often kept out of top leadership (see federal gov for the premier example). And I’m sure that had a pretty powerful impact on Gen X’s ability to flourish culturally. They were willing to stay in line with boomer culture because they got paid enough.

Millennials were effectively pushed out of the wealth, so they were/are willing to break norms because it never paid off to do everything “right” anyway. And now Gen Z knows everything’s fucked. Godspeed.