I've also noticed this - demo charges only do like 3/4 building health on a medium/building. Buildings also take ages to catch on fire and receive absolutely no damage from flamers when ungarrisoned.
If this is right, then it's rather problematic for all factions because infantry is very hard to dislodge.
Does this effect also extend to trenches?
damage to garrisoned may be bug now becuase too low damage occurs in mortar. it may related damage modifier of explosive.
related - http://www.coh2.org/topic/44536/heavy-artillery-weird-damage-to-garrisoned/page/1#post_id436202