The tornadoes that killed 26 people in Oklahoma on Sunday and Monday and brought severe damage to the town of Moore might turn 2013 into one of history's most damaging storm years, and as news reports question the lack of shelters in Oklahoma, insurance experts say that Tornado Alley residents are more prepared than ever to handle tornado damage.

“Oklahoma has a history of tornadoes, and this is part of that history — it's well known that this part of the country is vulnerable to a certain category of catastrophic events,” says Lynne McChristian, catastrophe coordinator for the Insurance Information Institute (I.I.I).

“It's too early to tell what implications [the Moore tornado] might have for the insurance market, but it shows how well people were prepared. I was impressed that so many went down to their shelters immediately upon hearing about the storm.”

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