Technically storm shelters are not required by any association or federal statute. Neither is looking both ways before you cross the street, some things just make sense. There are certain states that are looking into passing laws requiring that new structures being built have a reinforced room built into the structure. The reinforcement will act as a safe room for those that do not have one installed, but should in no way be misconstrued as having the same abilities as actual safe rooms. There are areas of the United States where having a shelter is highly recommended, and then there are those areas where it is not nearly as much of a necessity. There is an easy way to tell whether or not you should have a safe room installed in your home or on your property.
If you live in an area where wildfires are events that happen with certain regularity, you may want to consider having a safe room installed in your home. Safe rooms are not limited to being used as only storm shelters.
Hurricanes are incredibly destructive forces for many coastal states. If you live in an inland state then you have no real concern about hurricanes, but for those people who live on or near the coast, hurricanes can completely change your life in a matter of hours. Places like Florida, Louisiana, the North and South Carolina, Texas, and every other state that is on the coast, east coast especially, have a hurricane season every year that can bring about mass destruction with one storm. If you reside in one of the states that experience hurricanes or if you live near the coast, you should have some type of safety room. Some Storm Shelters should be flood proof and will not float, so a little bit of water will not damage them. However, you should never build a safe room where there is a danger of flooding. There is ventilation in every safe room made and should the water level get above the ventilation then everyone could be in danger.
For people that live in tornado alley, they know that they should have a tornado shelter. There is not one person who lives in Oklahoma, Kansas, Missouri, Arkansas, Texas, Alabama, Georgia, and a few other states that can be surprised when they get hit by tornadoes. If you live in a state that is prone to being struck by tornadoes then you know the price paid by those people without Storm Shelters. Tornadoes that come with 300 mph hour force winds can ravage entire cityscape in a matter of minutes. Having a safe room can be the difference between surviving and being another unfortunate statistic.