Storm shelter types and costs
In-ground, above-ground, safe room, and under-bed shelters compared: typical price, pros, and cons.
| Type | Typical cost | Pros | Cons |
|---|---|---|---|
| In-ground (underground) | $4,000 to $20,000+ | Very durable against wind and debris. | Can be more likely to flood; hard for people who can't use steps. |
| Above-ground | $2,600 to $15,000 | Simpler to install; easier to get into for people with mobility issues or wheelchairs; good where water tables are high or flooding is a risk. | Takes up space in the garage or home. |
| Safe room | $3,000 to $10,000+ | Flexible location (closet, bath, under stairs); can double as a secure room. | Costs more, especially if the house needs structural changes; cheaper during new construction. |
| Under-bed | $2,100 to $4,500 | Least expensive; easy to install on a slab. | Fits only one or two people. |
Source: NerdWallet storm shelter cost guide (2025 figures)
National ranges, not quotes. Last checked Oct 26, 2026.