I just looked at the Mayo Clinic website.
Clicky Most of the information here is reasonable. It would appear that someone with a compromised immune system ought to take precautions such as wearing a mask. The fungus is airborne so staying inside when the wind is up would also seem to be a simple precaution.
Given our multiple travel times to the regions where it is prevalent it would appear we have escaped with a mild case in the past, far enough past to be beyond recollection or we shrugged it off as something else. For first timers to the region who are medicare eligible the same precautions as for the immune compromised might be wise. I wouldn't worry unless the wind was high enough to be full of dust. Or I would not choose to be downwind of a vehicle stirring up the dust (actually would like to avoid that in any circumstance).
I am not a doctor but I did stay in a Holiday Inn once!