I know how you feel. A couple years ago we moved to a more tornado-riddled area of IL and when we purchased the house I didn’t even think about that issue. I know, pretty dumb. Anyways, in these two years there have been so many siren warnings and one happened to get me out of bed and being alone in the house, with nowhere to go but the bathtub or closet and I was frantic.
You poor thing...you really ARE like at the mercy of it all. It’s a sinking feeling. My house is all larger windows and many sets of french doors/transoms—upper and lower. And all rooms are exterior except for one...a small closet on the first floor...that’s only about three feet in from the exterior. Nowhere to run! I’ve thought that I’d just jump in there and put on layers of coats and hats and my ski mask and goggles and gloves...and burrow in all the crap on the floor. It won’t be a pretty thing. So now you know what to tell the rescuers what kind of creature to look for if they need to go through the rubble. LOL.