Architects and structural engineers *should* all know how to do wind load calculations; they're not terribly difficult calculations, but have tremendous impact on how the structure is designed. (And they apply to virtually every zone in the US.) For commercial, I hope we can assume a competant engineer will design it. If we're just talking strictly residential, then there's really no excuse- even if the trades are unaware, the GC knows. IBC has tables and calculations and dumbs it right down to the lowest common denominator as to what the wind loading forces are. Windows, doors, etc, all have to meet it- solar panels are similar. It's "only" 15-25psf in my area, but in Florida, it can be much much higher.
A little extra flying debris during a hurricane is a small concern, though, compared to all these solar panels back-feeding the utility lines during an outage. It's very easy to buy an inverter and wire it to a breaker and BAM, you're on the grid, shaving electrons on sunny days. But then the power fails... and that solar system is still dumping 120-240V onto those secondaries, and is inherently current limited, so it's not going to stall like a generator would, and it's not going to trip the breaker, so unless the inverter is smart enough to know better, it's just going to keep on pumping electrons until the sun stops shining.
