If your property is the midst of a drought or the midst of a hurricane, the most secure place to find a refuge during a storm is underground. There are a variety of shelters for storms, ranging from small shelters for residential use to huge, super-school-sized emergency shelters. They are affordable, which is a great option to save money.
Below-ground shelters are a lot easier to construct than above-ground storm shelters. The shelters are simply lowered into the hole, and later filled with concrete. The Shelter is then bolted to a concrete slab when the weather gets bad. Since they're constructed under the ground, they're safer than above-ground shelters. You don't need to worry about a damp roof or uncomfortable conditions.
In addition to above-ground storm shelters there are also underground shelters that you can put in your garage. This kind of shelter is similar to underground storm shelters, minus that it's installed under the garage. The only difference is that above-ground shelters are constructed of high-quality steel and have to conform to the specifications of FEMA and local codes. The best way to protect your home is to build your own storm shelter, but be sure you hire an expert and obtain the right permits before you begin.