Opal came ashore at Navarre Beach, which meant that we got some of the highest winds. There was a bit more wind damage, but not much structural.
The surge in the gulf was higher from Opal and washed out 30-A at Dune Allen and a few of the lake causeways - Western and Eastern Lake. Afterwards the causeways were beefed up with the rocks you see along them now. The bay rose higher during Ivan than Opal.
I was surprised when I saw Grayton Beach the morning of Ivan. Even though the waves were very high, Grayton was not flooded from surge like during Opal.
As for block vs. frame - it's simply a matter of short term cost. People want the most house for the money, and would generally prefer to have more square footage and fine interior materials. A frame house on high and dry ground built carefully to current code will do very well in all but the most intense storms, as long as windows and doors are shuttered or boarded.