I don't know about other disasters, but having lived in northern Texas as a kid and seen tornadoes and the results of their touchdowns (more when visiting Oklahoma than in my area)...I can say that "entire streets being fine, house after house, and then suddenly in the middle of them a house is entirely gone." is more often the opposite of what I saw.
Whole neighborhoods razed down to the slab with stubs of pipes, splintered tree stumps, and a few bits of scattered debris...then one house here, another there, a lone untouched tree here, another ok but for one broken branch, one car still parked in front of the mailbox that's all that remains of the entire neighborhood that lies in piles of kindling all around....
Two identical trailers parked next to each other as permanent homes for decades, surrounded by empty fields, a few trees here and there, before the storm, then afterward there's still one battered but livable trailer, and the other is simply gone...picked up and then smashed down up to miles away.
Stuff like that.
And this:
"If that is really mostly ( next to 'luck'? ) having such a high impact, it should be mandated in the building code for that region."
helps, but the problem is finding out *why* the things that survived did so. It's not always obvious, and it isn't always because of the way they were bulit--it can be because of the way the winds flowed thru and between other buildings in the area, or the debris the tornado had already picked up and used as battering rams against them, and that one building might've been shielded from those by the surrounding ones just long enough to miss the worst winds and worst debris, before those others were smashed and blown away.