We have prepared our house for severe weather here. It is not if a tornado or bad weather comes, but a matter of when will the next storm be. We took it on our self to install a basement for tornadoes, and took out flood insurance since we live in a flood area. The last thing my family wants is to be caught off guard and lose everything.
Houses, ten, twenty, thirty years old were not build according to structural standards that account for the current era's extreme weather. To prepare oneself, expensive safeguards and shelters must be installed. It is difficult for me to afford these things and I know that many other people in lesser financial positions find it impossible to prepare themselves this way.