Glad that none of you were hurt, HC.
Also good there was no property damage.
We have a 100+ foot eucalypt in our front yard. Had the tree surgeon (arborist) in a year or two ago to clear out the horizontals and generally see to the health of it. He said that what happens is that the trees get too "fluffy", and the wind can't blow through them. What it does instead is to exert massive torque on the trunk, twisting it out of the ground.
Clearing out the long horizontals and generally opening the tree out allows the wind to blow through the tree without much resistance. He reckoned that he couldn't guarantee that no branches would ever come down, but his work greatly minimised the risk of that, and of the tree coming down on our house!