Though most dwellings probably don't have more then 10kA available, it really depends on size of transformer and distance/size of conductors between the transformer and the service equipment. Some "higher end" homes with larger service capacity possibly have a padmount transformer that is relatively close to the home - you especially need to pay a little closer attention when you have that situation or you could have too high available fault current. Even multifamily can sometimes have a similar situation.
I once wired a new home that was supplied by a 100 kVA transformer - we had 4 200 amp runs to that home with 4-200 amp main breaker panels as the service equipment.
Ran quick calculation on the spreadsheet Mike Holt has on his website - only thing I don't know is the impedance of the transformer but just throwing in 2.1% and 100 feet of 4/0 aluminum had me at 8000 amps. Shorten length to 50 feet and you are around 11,000. Make two 4/0 in parallel and you have around 11,000 @ 100 feet, shorten it to 50 feet and you have about 14,500.