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I find it interesting that people still take the attitude that the odds are so low that they don't do anything - at all - to provide some protection for themselves in their homes.
If I lived in tornado land I'd have a concrete bunker basement with a week's worth of supplies and some nice pipe-births. If storms where present we'd all just bunk out in the shelter.
Same thing if I lived in a flood-plane. I'd build my house on a scissors jack. Flood coming? I'd jack that baby up a story or two and split the scene.
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