State Program Offering Storm-Shelter Grants Doesn’t Target Low-Income Residents

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Clifton Adcock/Oklahoma Watch

One of many scenes of devastation in Moore.

Residential storm shelters are not cheap, and many low-income people in Oklahoma cannot afford them.

That is reinforced by the state’s policy of not offering shelter subsidies based on income or net worth. The grants, which are federal funds, have been given out instead to those who lived in or near official disaster areas or whose names were drawn in a lottery.

The state, under federal rules, also doesn’t offer the subsidies to landlords, which means that tenants, who often are low-income, will not have a shelter at home unless their landlord pays the entire cost. Many landlords don’t.

In the wake of the deadly tornado that cut a destructive swath through Moore on May 20, claiming 24 lives, the need for more residential shelters and the government’s role in providing them have garnered more attention.

Tom Bennett, president of a Tulsa safe room company and past president of the National Storm Shelters Association, estimates less than an eighth of Oklahoma’s 4 million residents have access to their own shelter during a tornado warning.

The biggest reason is price, he and others said.

The prices for residential shelters range from about $2,500 for a small garage cellar to more than $10,000 for a top-of-the-line, above-ground safe room. Ground-level safe rooms have reinforced walls built to withstand tornado and hurricane winds.

Bennett’s company sells above-ground safe rooms, certified by the Federal Emergency Management Agency, that begin at $4,600. Shelters below ground generally begin around $2,500, and the price can quickly rise depending on the materials (steel or concrete), the size and the difficulty of installation. For instance, getting a backhoe into the backyard of an established neighborhood is often a problem and can lead to more costly options, such as the placement of a shelter in a home or garage.

After tornadoes shredded large parts of Moore and struck near Shawnee last week, consumers began blitzing shelter companies with calls, wanting to place orders. For people with lower incomes, that may not be good news. The spike in demand could lead to price bumps and fewer discounts as installers hustle to complete projects by paying workers overtime, Bennett said.

He said he doesn’t believe established companies are gouging people, that prices are mostly determined by the cost of materials and labor.

Jacklyn Brink-Rosen, a legislative assistant who has done research on bills aimed at promoting shelter awareness among home buyers, said shelter prices already are unaffordable for many people.

“I realize the prices vary from several thousand dollars on up, but how many Oklahomans can afford to pay those kinds of prices?” she said. “Something must be done to protect all Oklahomans.”

In 2011, Oklahoma established a new program in conjunction with FEMA to defray the cost of a storm shelter, using more than $1 million in federal money. The program, SoonerSafe Safe Room Rebate Program, followed earlier programs that included extending shelter aid to Moore residents who had lost homes in major tornadoes. SoonerSafe gave homeowners rebates of up to $2,000, or 75 percent, of the price tag for the purchase and installation of a storm shelter. Fourteen thousand homeowners applied; that number has since risen to more than 20,000.

Priority was given to residents whose homes were destroyed by tornadoes in 2011 in central, southeastern and northeastern Oklahoma; these had been given presidential disaster declarations. Other homeowners were given grants through a lottery. A total of about 500 grants were awarded.

The income levels of the homeowners are unknown because, unlike with programs such as SoonerCare (Medicaid) and Temporary Assistance for Needy Families (welfare), SoonerSafe is not means-tested – that is, subsidies aren’t pegged to applicants’ income or assets. FEMA allows states to mean-test such grants if they want.

Even if a poor or working-class family wins a grant, they face another barrier: To get the rebate, they must first pay the full price of the shelter, then seek a reimbursement after it’s built. It can take four to eight weeks for the rebate check to be mailed.

Sometimes, homeowners are awarded a shelter grant but decide to back out because they cannot afford the up-front cost, said Keli Cain, spokeswoman for the Oklahoma Department of Emergency Management.

Still, Oklahoma’s shelter-grant programs and similar community ones have helped bring shelters to thousands of Oklahomans. The state has received more than $57 million in federal money for 11,768 private and public shelters, more than any other state in the nation since 1999, said Albert Ashwood, director of the state emergency management department. He said Oklahoma has spent more than $15 million in private storm shelters since 1999.

The department has yet to decide how it will allocate shelter grants using federal disaster  aid stemming from the recent tornadoes. Cain said residents who lost homes in Moore and elsewhere would likely get priority.

Debra Hamil, 59, of Cashion, said the financial barrier to life-saving shelter is too high.
Hamil lost her grandsons – Ryan, 3, and Cole, 18 months – when a tornado near Piedmont ripped them from the arms of their pregnant mother, Catherine Hamil, on May 24, 2011. At the time, Catherine and her children were hunkered down in the bathtub of their home with only a mattress between them and the deadly twister. The four-year-old home did not have a storm shelter.

Since then, Debra Hamil has championed legislation that would require home sellers to disclose whether their home is equipped with a storm shelter and constructed to resist high winds. The purpose is to encourage buyers to consider storm protection when hunting  for homes. Two versions of the bill have thus far failed to pass the House and Senate.

“Everywhere I go I plead with people to get a storm shelter,’’ Hamil said. “But, of course, not everyone can afford one … I don’t like the government telling me what I can and can’t do, but I truly think this is different. Storm shelters should be required, certainly in new homes.”

She wonders whether the government could make low-interest loans available to help residents purchase a storm shelter.

“Payments could be something like $45 or $50 a month – the size of a grocery bill,” she said.

Storm-shelter mandates and government-backed loans might be a tough sell in a state where government involvement is often frowned upon. State officials are also concerned about spending and are wary of mandates that may cause home prices to rise.

Moore Mayor Glen Lewis said last week he would propose an ordinance that would require construction of reinforced shelters in every new home built in Moore, adding he was confident he could secure the four votes need on the six-member council.

Later that day, during a press conference with Gov. Mary Fallin, Lewis cautioned that the city still needed to talk to one of the homebuilders associations. He stressed that officials did not want to make homes unaffordable. “We don’t really want to force anybody to do it,” he added.

In the meantime, many families without shelters huddle in bathrooms and closets or seek refuge in neighbors’ shelters during tornado warnings.

Shannon and Angela Robidoux, of Moore, have considered buying a shelter.

“We’ve looked at them,” Shannon said. “We’ve been wanting to get one, but we can’t afford one.”

The May 20 tornado passed within five blocks of their house, where the family has lived for nine years. The couple was picking up two of their three children from Central Elementary School and took refuge in the school, which wasn’t hit.

Last year, when a tornado appeared to threaten Moore, Angela said she called the police to inquire where she and her family could find shelter. She said a police employee didn’t know.

“I called the police station to try and find a place to go, and there’s no place for anybody to go,” Angela said.

Oklahoma Watch reporter Clifton Adcock contributed to this story.

  • joe

    Decent article but horrible headline. Are low-income lives worth more than middle-income or high-income lives? A bill of several thousand is a major burden for most everyone, not just low-income.

    The idea of making shelters mandatory is foolish as well. It means well, but all it is going to do is put the cost of home ownership out of reach for more people.

    The program is great the way it is, any additional funds should go to raising the number of shelters rebates offered per year, not toward bloating the administrative costs for running the program which would come with what you are suggesting.

  • karen benoit

    How does one apply for a grant for a storm shelter for a low i come family

    • George Neff III

      Where and how do you apply for storm shelter grant.

    • Shirley Langston

      My husband and I are on disility and can not afford the price of storm shelter we are looking for a grant to help us pay for one.


  • I am Craig’s wife, Kimberly. Craig has ESRD and Type II diabetes. He runs on dialysis 3x per week, is disabled, and my employment provides for our finances and our health insurance. Craig is 60 yrs old and I am 56. We are inundated with expenses and have no means of paying for a shelter. We get in the car and run from it, with our 2 dogs and a kitty. I am gone to work, 4 days a week for about 14-16 hrs a day (including about 2 hrs travel time), and I worry frantically about his safety.

  • Misty Ireton

    I was drawn in the lottery for the safe room rebate program. The funds fell through and the program was put on hold. We were told not to purchase a safe room, we would not receive a rebate. Apparently, Oklahoma didn’t have enough disasters last year. You would think they would want us to install the shelter BEFORE the tornado hits. Since the recent tornadoes, I have tried contacting them to see if the funds will be renewed and if I will still have priority on the list. I haven not gotten a response

  • Dana Johnson

    My family put in a storm celler for our 8yr old sons peace of mind..he had OCD and storms scare him really I was told to fill this out in hopes of a rebate…thank you …..Dana Johnson

  • Bev Keller

    I haven’t seen any information concerning a rebate, or tax credit for people who live in Moore. Our area of town has been hit several times, but we have been blessed in it missing us very closely. I am putting in a saferoom regardless of the cost. 4 hours in standstill traffic trying to outrun the last one cured me. I don’t intend to do that again. I hope there will be some sort of credit or rebate.

  • Teresa Chadwick

    I am a single parent and looking for a tornado shelter grant.

  • Jo Ann

    We live in Oklahoma City and lost our house in the May 20 tornado, I think any rebate on shelters should include everyone who lost their home or had damage no matter which city limits you live in.

  • Cathy Dwiggins

    I would like to know if there are any rebates for storm shelter installations after the May 20, and 30th , 2013 tornado? I work in Moore and was less than a mile from the tornado, and I live off S. May where the May 30th tornado came through. I recently installed a tornado shelter and used Communication Federal Credit Union; which is only charging .9 interest. That is the only way I could pay for my shelter up front. Now, I am making monthly payments. My husband is retired due to medical reasons, and I am working. What ever a person makes on income should not hinder them from receiving government funding rebates to help on the cost of safety. I would hope that Oklahoma will rethink their procedures on giving the public rebates for tornado shelters.

    • David Fritze

      We will have a new story soon on residential storm shelters. For more information about the state home-shelter rebate program, go to, hover over “Programs & Services” and click on SoonerSafe Safe Room Rebate Program. Some cities and counties also offer such rebates, so you should check with your local governments. Most or all of the programs are funded by the federal government; the rebates are capped, and the shelters must meet Federal Emergency Management Agency standards. Owners of homes that were in the heavily damaged areas of the May storms are likely to get priority in the parceling out of rebates and other storm-shelter aid. Other owners can enter the SoonerSafe or local government random lotteries.

      • Benjamin Dunlap

        Now I get really upset when I read post like this. I am a proud father of four wonderful children. So I am responsible four six people counting myself. I have a decent paying job and livable home. It it’s not much we proudly call it home. We have owned if for the past 9 years. I understand that Moore has had very bad luck on a strain of tornadoes. My wife cannot work due to unachievable prices of daycare for four. We manage to get by on my income from my civilian job and my national guard drill checks. Since we have purchased the home we have had two tornados pass within three miles from my home. I read that everyone is saying that Moore will probably get the grants first. There is not as much population in rural Lincoln county Oklahoma but it still does not make us any less important. This is just asked food for thought. If the grant is ‘re-issued it should be even across the state. What about the Tulsa residents that recently lost their homes?

  • Steve holloway

    I just purchased a FEMA-approved in-ground shelter at a cost of nearly $4,000 and wonder if I could get a rebate for my purchase. We live just five miles where a small tornado touched down last year. Ours will hold about 12 people. My wife and I are on a fixed monthly income. We could use the rebate if possible.

    • David Fritze

      Steve: Look for a new Oklahoma Watch story on this subject next Tuesday.

  • Heidi

    I’m a single parent with low income and would like to get some help on getting a storm shelter. Can someone tell me where to go to get some help please? Thanks.

    • David Fritze

      Heidi, look for a new Oklahoma Watch story on this subject next Tuesday.

  • Adriana

    There really needs to be some type of involvement with including incentives for landlords of renters. I live in Moore with my four children, my twins won’t be a year old until this summer. It is a terrifying feeling there is no hope to keep your kids safe just because you are a renter and can’t qualify for this program nor is there any safe place for us to go to outrun the next storm. Even if I could afford to put one in I can’t because I’m the renter. Financially, there is no way at this time to purchase a home and have the opportunity to participate and I’m finding it extremely difficult to get the owners of this home who live in a state that doesnt experience this type of weather to understand the importance of a shelter or they may not want to pay full cost for one. Whatever the reason is, if there were incentives to include landlords of rental homes it would give renters at least the same opportunity to keep safe from dangerous weather. I’m always afraid that next storm season might be our last.

  • scotty

    I work but my wife doesn’t just had a new born baby and we always have to drive a cross town to get in storm shelter so the risk is always high and now with my.son it’s even greater .. i will pay what i can just need some help i don’t need a complete handout just some sort of direction and assistance please

  • M.C. Williams

    I am 66 years old have taken on raising a little girl. And my funds are limited. I would like to have a storm shelter. So, I’m trying to find out if there’s any help or grants out there.

  • carla ramirez

    My son is still trying to rebuild his house that was hit in the May tornado. He has children. He was lucky enough that his house was still livable. We all are worried about the upcoming tornado’s that are going to hit. He has applied and applied for grants or help to build a storm shelter because some of the things the tornado did, insurance didn’t pay. What I would really like an answer to is, what happened to the millions and millions of dollars that was donated for this reason. All the money that was donated no one can tell any of the victims where the money was spent or how. I donated my time to help people clean up, donated food, water, dog food and other items. It was the everyday people off of the street that helped. So why can’t FEMA or all the other places that this money was donated to help the victims, be helped. No one is asking for the total bill to be paid, but just help. This is a time where you decide whether you are going to spend your money on a shelter to stay alive, or spend your money on fixing your house and feeding your children so they don’t die from hunger. This is an issue that bothers me and I am sure, a lot of other people that experienced the bad storms. Come on people and you know who you are, help. Help the people that are begging for help. This is so hard for me to understand. The food and water that was passed around for the victims, the money that was donated, was not used for this. Churches, vets, and ordinary people provided this. So please, please, help me understand.

  • Charlene Edwards

    I would like to know what happened to all the money that was donated I lost half of my house on May 19th when a F4 tornado ripped through the Little Axe/Newalla area and even though a lot of money was donated to our area it seems that just a lucky few managed to get any help from those donations I am disabled and have since the tornado been diagnosed with PTSD yet I can get absolutely NO help from those donations every time I hear thunder I head for the closet I hid in when the tornado hit I believe it is time for the Oklahoma and Cleveland County district attorneys launched an investigation as to what happened to all the money went to I personally believe it went to lining the pockets of the people that started up the so called charities and went to helping their friends instead of the entire communities this seems so apparent in the Little Axe/ Newalla area in particular. After all it seems very strange that my neighbor that is friends with the people that run one of those charity’s has had a new house built three new sheds built, been told their fences were going to be replaced, their entire yard is being reworked, mine is so bad that I bought a brand new riding mower and before I got a quarter of my yard cut it went down a hole in the ground where a tree had been and broke it, they had a new lift put on the back of their truck and a new camper shell put on it as well, OH yes plus they have had a new safe room built just outside their back door as well and I can get nothing at all I signed up for every entity that are supplying new storm shelters almost 9 months ago and still waiting.
    As I said it is time that the district attorney’s start looking into where the money went.

  • Debra Dodd

    I to received a grant to I was also told that there was not any money. When I lived at my other home I borrowed the money to put in a storm shelter and I am not able to do that at my home now. I was so excited about the grant when I was informed about it. What a let down when I found out I was not going to get it.I am in Cleveland Co.

  • christy lewis

    The March 25th, 2015 hit my neighborhood. Is there a grant I can apply for to help get a shelter for my family? The weather pattern this week makes me very nervous. I just want to keep my children safe.

  • Sharon keneda

    I’m the guardian of my 9 year old granddaughter. A storm shelter would take some
    worry off me.

  • Rene Bullard

    Me and my 23 yr. son are disable and need a shelter as of now we drive away is not saft….We only get SSI and disable.

  • Carla Hayes

    I am a single mother of three n I’m looking for a safe place to bring my family can u help me

  • Regina Scott

    I also am seeking help with a storm shelter. I live alone with 4 pets and I cannot afford a shelter. I clean my closet out and I put all of us in there and pray for the best. I worry constantly about tornados coming this way. I live next door to my niece; she has 2 little ones ages 1 and 5 and they also live in a mobile home. We were trying to get a shelter and put it between our homes but neither of us can afford one. We have been looking for assistance for like the last 5 years and we have been unsuccessful in our efforts. Please, if there is help out there, email me any ideas.

  • Tabitha

    I am a single mother of two kids and can’t afford to put i a shelter for them and would like to get information on getting help installing one

  • Destiny Nolen Wahl

    I am a disabled mother of three. I am a paraplegic and I have ti send my children to shelter eith neighbors ehy I stay behind. I cant even get in a closet. I live in Noble abd this happen last night. It’s hard to get people to leave you.