It’s a waste of money on something that has less then a 1% chance of ever happening. You basically have to make the house a bunker to withstand a tornado:
>The strongest tornadoes can generate winds in excess of 300 miles per hour. Storms with these speeds can literally hurl chunks of rock, pieces of buildings, and even whole cars around like a toddler having a tantrum with a PlayMobil playset. Thus, to make a structure totally tornado-proof requires that the structure be designed to withstand both the impact of a one-ton boulder being hurled at it at 100-150 miles per hour as well as wind loads of 300 mph or more. This means you need a structure made out of either **foot-thick reinforced concrete or two to three inch thick solid steel armor plate. Doors must be solid steel with reinforced frames and extra strong locking mechanisms (otherwise the storm will just suck the door open). No windows.**
https://www.forbes.com/sites/quora/2016/03/22/what-would-it-take-to-build-a-completely-tornado-proof-house/
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