When the sky turns dark and sirens start wailing, the last thing you want to worry about is whether you picked the right storm shelter. In Oklahoma and other parts of Tornado Alley, choosing a storm shelter isn’t just about peace of mind – it’s about protecting your family when seconds count.
But with so many options on the market, how do you know which storm shelter is right for you? Let’s break it down.
1. Above-Ground vs. Below-Ground: What’s Best?
Below-ground storm shelters are the traditional choice, often installed in you garage floor or yard. They offer excellent protection from flying debris and strong winds. However, they can be harder to access for people with mobility issues and may flood if placed in a bad location.
Above-ground shelters (also called safe rooms) have come a long way in terms of design and safety. Many are FEMA-approved and built to withstand EF5 tornadoes. They’re also easier to access quickly, especially during heavy rain or if you have small children, elderly family members, or pets.
2. What Size Storm Shelter Should You Get?
Storm shelters come in a variety of sizes – from compact units designed for 2-4 people to larger models that can hold a dozen or more. When considering size, ask yourself:
- How many people need to fit comfortably inside?
- Will you need space for pets, emergency supplies, or medical equipment?
- Do you ever host guests or have extended family nearby?
Don’t forget – it’s better to size up than to cram people in like sardines. FEMA recommends 3 sq ft per person. So, a 6×8 storm shelter is rated for as many as 16 people!
3. What do FEMA Regulations Say?
Not all storm shelters are built the same. Look for:
- FEMA compliance: Make sure the shelter meets or exceeds FEMA 320/361 guidelines.
- Reinforced doors and secure anchoring: Especially important for above-ground units. Ensure the doors have been tested in a wind lab.
- Corrosion-resistant materials: Sacrificial anodes are particularly important for underground models to avoid rust and long-term maintenance issues.
4. Where Should You Put Your Storm Shelter?
A shelter only works if you can get to it quickly. The best spot is wherever you’ll have the fastest, safest access – often a garage, interior room, or backyard. If you’re building a new home, now is the time to plan ahead and incorporate the shelter into your design.
5. How Can You Pay for Your Storm Shelter?
Storm shelters can range anywhere from $3,000 to over $10,000, depending on size and features. While that’s a significant investment, there are often rebates, grants, or tax credits available through state and federal programs.
In April 2025, the State of Oklahoma announced the SoonerSafe program will pay for up to $3000 towards your storm shelter.
You can also apply for financing through your bank or credit union or through Wisetack.
Final Thoughts
Choosing the right storm shelter isn’t just a checkbox on your home improvement list—it’s a decision that could save lives. Whether you go above or below ground, prioritize FEMA approval, easy access, and enough room for your whole family.
Still not sure which option fits your needs? Talk to a storm shelter expert from Cyclone Septics to evaluate your home, your family’s needs, and your budget.
When it comes to tornadoes, it’s not if – it’s when. Make sure you’re ready.
