HOAs should not be able to force the most inefficient, shortest lived, and least wind resistant roofs on people in their neighborhoods. 

I am not a roofer, nor do I have anything to do with the industry. I am a science teacher and coach. I have lived on the gulf coast my entire life and see pallets of shingles as well as roofers go door to door after every storm. This is just ridiculous. Storms are part of the Gulf. We need to build and repair with them in mind. If our roofs were damaged less often insurance rates would also drop. 

Currently, newer houses in the Gulf Coast are mostly constructed with composite shingle roofs. These are used because they are cheap and people see them as the norm for a new house. HOAs then adopt theses as the required roof. The problem is they are the worst roof type for high winds, hail, and high temperatures. All of these are common issues during hurricane season. 

Metal roofs could save 20 percent in electrical costs annual so every 5th house with a metal roof would basically be free to the power grid. They are also good for 40+ years and some metal roof types are good to 160mph winds. Standard class A shingles are only good to 60 mph winds and even a category 1 hurricane has winds over 60mph. I have tried to get a metal roof for years but my HOA refuses. It is silly to literally force the worst roofing possible on pretty much everyone that lives in a neighborhood on the gulf coast. It seems borderline criminal to waste all that electricity and all of those shingles every time we have harsh weather. White metal roofs also reduce urban heatsink effect which causes even more severe weather.