I expect that insurance underwriters dislike uncertainty the most. If they don't have sufficient statistical data about something they are likely to charge more. For a large enough structure and large enough policy I expect they would hire structural and environmental engineers to reduce that uncertainty, but for a residential home? They will charge more because it cost more.
On the converse, in a place where they have seen certain structures do well they may change their minds when the accommodation is obvious. For example, the use of roof-ties in hurricane prone areas have been known for decades; also reinforced garage doors. They may drop insurance entirely if those are not in place.
The key is the amount of certainty based on experience.