Wichita Kansas and tornados

Here in Texas, we get a bit of all the above. Tornados do happen, but because of the hilly terrain on the west side, they tend to get disrupted. What is the big money-loser is hail, which can total RVs and cars, and require re-roofing which starts at five digits and goes up. High winds come in next. Then, lightning and the ensuing fires. Of course, flash floods have done major damage (old time Austinites still call Whole Foods, "Whole Floods" because of the complete wreck that was done one rainy season.)

For me, tornados are a "find a ditch" item. Most places have some sort of reinforced shelter, either a bathroom, or some Cold War-era bong/fallout shelter that can do in case of a tornado.