I have been retired from the fire service since 1997 and for 35 years prior to that I responded to any and all types of emergencies. Over the years I have gone to assist or rescue someone from trees falling onto a home or other structure. In western Oregon we have Douglas Fir and other trees that grow very tall just like depicted in the previous posts. The worst situations are where they have thinned mature stands of trees and made openings for dwellings in new housing projects. Very commonly, the first year after the project is finished, the tall trees with weakened and small root systems come down with the first good wind of the winter season.
I these situations it was very common to see trees cut all the way through a home, penetrating the structure right down to the floor. Sometimes two story structures will stop the tree after it has cut through the second floor, but large trees literally demolish a standard residence. If someone is inside, in the wrong location they are usually badly injured or dead.
When we moved into our present farm in 1972 the home that was built in 1909 and the house was surrounded by six very large douglas Fir trees that averaged around 5ft in diameter at the top of the stump and were from 175ft to 200ft in height. One very large big leaf maple tree, was growing within 30ft of the back porch and it leaned toward the house.
Our first winter in the house was not a good experience. Every morning after a reasonable wind the ground around the house and the driveways would be littered with huge limbs broken from the trees. The limbs were ofter up to 12 or 14 inches in diameter. Several mornings I had to cut the limbs out of the driveway in order to leave for work.
To make a long story short, after my experiences in the fire service, when spring arrived we had loggers in to do some thinning and they very skillfully, using heavy equipment, very big cables and their years of experience removed all of those very large threatening trees that potentially could hit the house.
In our situation, that still lift some very nice fruit trees, apple, cherry and pears around the house for shade. Since then we have kept the trees around the house trimmed so they don't threaten to damage the house. We did have a few small maple and oak trees that have been since removed as they got too large and replaced on a planned basis so we have a nicely shaded yard, but no trees that endanger the house.
I agree with woodgrub, remove or prune back any trees that endanger your home. If you don't it is virtually a game of Russian roulette. The threatening trees(s) may never fall, but they may also completely destroy the structure and seriously injure any occupants. If you value your life and the lives of your loved ones, remove and/or cut back any trees would do more than cosmetic damage.
Make the hard decisions and do what is needed to be safe.
Nick, North West Farmer