If you are seriously worried about a tornado shelter, thete is a company at Crystal River who makes them. Basically, it is a septic tank (brand new - not used) you keep in your garage - or outdoors if permitted. It has a door on the side and you just go in the concrete septic tank at the first warning and hunker down. No tornado could blow a concrete septic tank over or away.
I could just see the ARC review form for this, and I can just imagine the discussions with the contractor getting it to match the outside design of the house and the color, not to mention the conversations with the neighbors........
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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