To the first point, there's certainly the need for both the carrot and the stick sides of the equation: both the regulation of the way things are built and the incentives for builders and homeowners to apply measures that make them more resilient and that encourage them through things like insurance savings.
Again, I'll repeat that the building codes, whether for resilient roofs or other aspects of design that need to accommodate climate change in more harsh and extreme weather, are a vital part of the solution, but they aren't changing fast enough. It needs to be accelerated, and that will require intergovernmental co-operation.