The Oklahoma Tornado

This is a tragedy.  A horrible, horrible thing.  People died, children died, people are hurt, people have lost their homes.  I will not deny this.

Here's my problem.  After a hurricane, people say why would they rebuild there?  Our insurance premiums go up, because people live in hurricane areas. 

In this town in OK, there have been 5  tornadoes in the last 15 years that have done significant damage.  One, in 1999, almost had the same path as this tornado.  That tornado killed 36 people and caused 1.1 billion dollars worth of damage.  The average cost of a tornado in damage is around $800,000 per tornado.  Here's an idea, why don't we mandate basements in areas where tornadoes occur?  The images show flattened houses with no basements.  To reduce physical damage to humans, tornado shelters and basements would go a long way.  But no one is suggesting that these people not rebuild, even though they have been hit 5 times in 15 years(some of them).  Why not?  What is it about tornadoes that makes it okay to rebuild year after year, but hurricanes cause suggestions of stupidity in homeowners?