Are Above Ground Storm Shelters Safe? Pros, Cons and Rebates

September 9, 2025

With storm shelters already in place, your family will have an instant safety shelter during tornado threats. Every year, over 1,000 tornadoes sweep across Tornado Alley in the US, naturally causing families to seek protection. Homeowners often wrestle with the decision to install an above-ground tornado shelter or a more expensive in-ground storm cellar. Thankfully, some homeowners can qualify for rebate programs to ease the upfront cost. In this post, we’ll discuss: 


Not All Storm Shelters Are Created Equal

So, what is a storm shelter? It’s a reinforced structure to keep you safe during tornadoes. Storm shelters come in several types: above-ground tornado shelters, in-ground concrete models, and modular units, each with its strengths. All types provide protection, but in-ground concrete shelters have been the go-to choice for years because they withstand high winds and flying debris best for those living in tornado-prone areas, despite their upfront cost. 


Also Read: How to keep a septic system healthy.

Understanding Shelter Types and Safety Factors

Storm shelters fall into two broad categories: above-ground and in-ground, each with advantages depending on your space, mobility needs, and storm severity in your area. Above-ground tornado shelters, usually made from reinforced steel or concrete, are installed in garages, basements, or anchored as standalone backyard structures, making them convenient for those with limited digging space. In-ground shelters, typically built from concrete or fiberglass, are installed below the ground surface, such as in yards or beneath garage floors in a highly protected space. The question is, are above-ground storm shelters safe? Yes, FEMA designed above-ground shelter standards to withstand extreme weather conditions; however, in-ground shelters provide greater protection from direct tornado hits. 

Why In-Ground Concrete Shelters Offer More Peace of Mind

In-ground concrete shelters remain the top choice for homeowners seeking shelters with proven storm resistance and durability. Concrete storm cellars are built to last, resist shifting soil, flooding, and intense tornado-force wind pressure. Underground storm shelters are anchored below the surface, providing structural protection and naturally cooler interior temperatures on warm summer days. Some models are designed as “inside underground storm shelters”, accessible directly from a garage or basement for quick, safe entry. Our team at We Pump It Septic specializes in installing underground storm shelters that meet the highest safety standards, so your family can have peace of mind.


Also Read: We Pump It Septic does more than septic tanks and storm shelters! We do grease traps. Check out where grease traps are usually installed.

Can Rebates Help Offset the Cost of Safer Storm Shelters?

The upfront expense of a top-quality shelter is substantial, yet many homeowners have found rebates to help make safety more affordable. Look for Storm shelter rebates through FEMA's Hazard Mitigation Grant Program, state emergency management agencies, or local municipalities. These programs encourage safer building practices in storm-prone regions and could cover part of the cost of tornado storm shelters installed by qualified professionals, but the availability and amounts vary, and they’re not guaranteed. Start by checking with your state’s emergency management office and exploring FEMA's online resources to find out if your project would qualify for financial assistance. 

Which Shelter Type Is Right for My Property?

When considering the right shelter for your property, ask yourself: 

  • Do I have space for excavation? 
  • How long do I plan to stay in my home? 
  • What level of protection do you want against tornadoes? 


Think about your budget, the permanence, structural strength, and temperature stability of underground storm shelters when making your choice. Speaking with a local expert, like We Pump It Septic, specializing in high-quality in-ground installations, will give you solid advice according to your property and family’s needs. 

Choose a Shelter That Protects What Matters Most

Are you looking for a storm shelter to keep your family safe? At We Pump It Septic, we specialize in and promote in-ground concrete storm cellars for their maximum durability and proven track record. In Tornado Ally, choosing a shelter that remains strong for decades can be a life-saving decision. Contact We Pump It Septic and schedule your personalized consultation today. Call 979-906-1792

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