Not understanding. If the house was built after 2003 and impact resistance windows are code then how could it have passed inspection without them?
You can build a new house today that does not have to have impact windows. It wall depends on the house. One and two story houses have protection for all openings, whether it comes in the form of precut/fitted numbered plywood panels utilizing the proper panel storage techniques, or some other product with a FL Product Approval code such as impact shutters, metal panels, fabric panels, etc.
If the house is three stories or more, then you have to have impact glazing. And yes, the county is supposed to check the windows during the inspections.
hope that helps.