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I don't know if i should be trying to scratch build buildings at only 13. Should I?
You seem to be very fixed on the fact that you are 13. Frankly, it is not your age, but your skill level that matters.

I'm 15, and I just finished my first
diorama a couple months ago. You can see that it's very simple. I decided that anything in the diorama that I had a feeling I wouldn't be able to pull off, I wouldn't attempt - namely trees!

So, try that - start with something simple.
BTW, for this diorama, I built a box with hardboard - it calls itself "Fibrex"- for $2 for a 2'x4' sheet, then made the basic shape with foam insulation - $10 for a 2'*4' sheet 1" thick. then, I put paper mache on tto make the contours, and covered this with a mixture of sand, white glue, water, a little soil, and a pinch of cat litter. I drilled holes and inserted jute string, like in the thread California Greg mentioned. You don't need exotic or expensive materials to get a passable result.
SCOTT