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Yes, it is common for mold to grow on the underside of the siding due to the moist atmosphere. When there is an abundance of moisture, mold has the ideal environment to spread and thrive. This fungus can be found on virtually any surface, both indoors and outdoors. Generally, it is most active when the environment is warm, damp, and humid.

You should restain or refinish your home's cedar siding every three to seven years to maintain its appearance and ensure maximum protection. The precise frequency depends on several factors, including your local climate, the siding's exposure to severe weather like direct sunlight, rain, and wind, the quality of the initial stain application, the type of stain used, and the condition of the wood.

Homeowners in harsh climates with high humidity and significant direct sunlight should plan on restaining every three years, while those in milder locations can wait up to seven years. For the longest-lasting protection in particularly harsh environments, consider using an opaque stain.

If you're looking for a lower-maintenance alternative, vinyl or aluminum siding are options to consider. Although their installation cost may be higher, they don't require as much upkeep over time, which can provide more value, especially in areas with excessive rainfall or high humidity.

While almost nothing is completely fireproof, metal siding is extremely fire-resistant. It’s non-combustible so while it may eventually melt in extreme temperatures, it won’t actually light on fire itself. This can add a layer of safety to structures that wood or vinyl siding can’t, making it attractive for industrial use. Metal siding can significantly slow down the spread of a fire, giving extinguishers and firefighters a much better chance at saving the structure and containing the blaze. 

DIY is possible, but professional installation ensures weatherproofing, insulation, and proper fastening.