When the day come that you could "justify" the expense, It could be too late. Success will always look like an overreaction in these type of scenarios.I have thought about getting a tornado shelter of some sort, but there hasn't been a tornado greater than F3 in thirty years (F3 in 92 and an F4 in 93). All of which did happen, none have ever come close to where I live. I get that it can still happen, but right now I just can't justify the expense in my mind.