My house in Sabal Chase was hit by the 02/07 tornado. It is vinyl-sided. We sustained about $40k worth of damage. The house 5 doors away was block and stucco and was almost totally destroyed. It was razed and rebuilt. I'm saying this to let you know that I don't believe that it matters if your house is vinyl sided or stucco when it comes to these disasters. Your location in proximity to the path of the storm is what really matters.