Some Buildings Save Lives
Imagine a Category 5 hurricane hits Miami. People are injured, buildings are damaged, and help is needed everywhere. What buildings absolutely must keep working?
Hospitals, fire stations, 911 centers, and emergency shelters. These are Risk Category IV - essential facilities. They get designed for the highest wind speeds because failure is not an option.
Meanwhile, a farm storage building (Risk Category I) can be designed for lower winds because if it fails, no lives are at immediate risk.