Same happens in autos. Monitored safe driving nets at most 10-20% discounts. Biggest factor is age, and even then, difference between 20yo and 35yo driver is 38%.
There are no tricks or deals to insurance.
but this means the insurance company is mispricing (or is being forced to misprice) the risk of resistant homes.
In theory, when correct pricing happens, these resistant homes should face less claims, and thus the premiums paid on them is high profit margin; ala, the customer is a good one, and the insurer should persue this customer more than another. This ought to results in a discount for said customer's premium, as more insurers vie for this customer over another.
It's a hard engineering problem to solve, but an increasingly urgent one now that these major events are becoming more intense and frequent.
Similar to when I look at causes of death for my age group and can pretty much eliminate the top 2 of 3 causes for myself.
This might be reworked to allow for fire resistant designs to be a factor.
That's because age is both observable and strongly predictive of risk.