Where I live (central Arkansas) I've had to shelter in my "fraidy hole" a few times a year. Generally the tornado passes within an hour. I keep some chairs, lights and a deck of cards. When I go I take a portable safe with my essential papers and cell phone.

I really need to stock a couple of changes of clothing for each person in the shelter. The house and contents may be scattered across the county with only the foundation left. A change of clothes will be nice until I can arrange alternate living quarters and hit the stores.