"The most frequent meteor target in my games has been Sunset Valley "
Please correct me if I am wrong, perhaps I'm just unlucky, but I don't think the meteor hits are entirely random.
I usually start my sim on a "beautiful view" lot so don't have much money for building. Although I have been hit in random locations, such as outside the thieve's den, nearly every hit has been while sleeping in a tent, it lands straight on that tent every time. It has even taken out several of those pagoda tents you buy from the Special Merchants in World Adventures. My house has never been hit although my "slept like a queen/king" tent has been hit several times, always with the sim(s) inside, when placed on the patio/deck. I've been hit in all three vacation locations, but only on my vacation home lot.
To summerize, I think you have more chance of being hit in a tent, or while sleeping outside, on your home lot than at any other time.
If I can't afford to build straight away now, I cheat a little using buydebug to plant a deathflower, for each sim in my family, on my lot which my sim(s) harvest(s) immediately at least then, I may lose all my worldly goods, but not my sim(s). And, although I love the boost from the "slept like a queen/king" modlet I make my sim(s) sleep inside whenever possible.