You're partially right. The main point is that the builder would have to grease a lot of palms to get those exceptions granted. Engineering stamps, etc., because the law, verbatime, forbids it. The only way arounbd it is to get an engineering stamp, which the State isn't allowed to argue with, and carries a civil penalty if they dare.
It basically tripples the cost of the house just for the sake of using a little common sense, which people who don't live right onthe beach, but are still exposed to the same winds, not to mention a lot more debris, have to eat...
Florida's Building Code is downright insidious. Forget trying to build something sane from the ground up, like a monolithic dome. You better be a millionaire just to build a 1200sq/ft house if you go that route. Which is why the structures are so rare, yet capable of withstanding 950mph winds, that can't even occure naturallyon this planet... Not to mentiuon the massive energy savings...