Indeed, the odds of a random meteor strike are extremely low. I've had three since I ever began playing and two of them hit what were just about empty lots somewhere in town and didn't do anything but make my screen shake violently and scare me half to death. The third one...well, we won't talk about what that one might have done had I kept playing, but I quit without saving anyway.
If not averse to using mods, the built-in very small percentage chance of a meteor strike can be changed to 0 by way of a tuning mod or by using NRaas Retuner.
