These days there are many different natural disasters that hit at the most unexpected times. Hurricanes,Tsunamis and Earthquakes are examples of natural disasters that can hit at an unexpected timing- depending on where you live. So you should probably think about getting a storm shelter.
There are many different storm shelters, some include:
-Above ground storm shelter
-garage storm shelter
-Tornado safe room
These would come in handy during a time of need.