Believe it or not, Uncle Sam can help finance the construction of your safe room. FEMA has a program that will lend up to $5000 to home owners adding a safe room. (The idea is that you'll be hiding from storms, not home invaders, but it can be dual purpose room, right?
) The idea is that communities with lots of safe rooms will need less federal aid after a natural disaster.
FEMA can also supply the plans.