Most municipalities require setbacks based on height, and most towers do not fall over sideways. If a tornado hit that tower, than the buildings nearby should have been damaged too. Otherwise, the tower was not built to proper wind load specifications. The local muncipality defines the wind load requirements. In Florida, most towers have to withstand 140-180mph winds. Everytime a new carrier wants to locate on a tower, they spend $3,000 dollars on an engineering study to ensure the structure can withstand the new antennas at the rated wind load.
Wireless companies do not like to build towers. It costs the company about 700K to 1M dollars to build a tower and put equipment in the shelter below. The feedline alone costs over 15K dollars on a 200' tower. Nothing worse than having some idiot put holes in the feedline with a rifle when they try to shoot out the red lamps.
HAM Radio operators in most areas are protected from tower ordinances since they provide volunteer emergency communication. Their towers rarely exceed 70'.
As for RF radiation from a cellular tower. If it is 200' feet tall, than you will never be closer than 200' to the radiation center. Most cellular transmitters from the tower do not exceed 100W estimated radiated power. If the tower is 850Mhz and has 4 channels, then your exposure at 200 feet away, would not exceed 0.000008 Watts. You get more than that from your own cell phone or TV. Rooftop installations are the areas of real concern since people can get close enough to touch the antennas. I would worry more about an AM/FM or TV transmitting tower. Most FM radios stations broadcast with over 100,000 watts of power, and TV stations can get up to 4 Million watt ERP's.
Joe