Do you know what to do if a tornado is heading your way?

4. Oklahoma City, Okla. (May 3, 1999) -- $1 billion (actual cost); $1.35 billion (adjusted for inflation)

ABILENE, Texas - If you can't find shelter in a storm cellar or a safe room, you'll need to have a backup plan.

If you're in your home when a tornado warning is issued, get to the lowest level, away from windows.

A bathroom is often a good choice because the plumbing in the walls makes them a little stronger.

You can also get partial protection from the bathtub if you lie in it and cover yourself.

The key is to put as many walls between you and the outdoors as possible.

Many bathrooms do have windows. If this is the case in your home, an interior hallway or closet can also be a good place to ride out the storm.

Manufactured homes are one of the worst places to seek shelter because they're relatively lightweight. If you're caught in one with a tornado coming your way, seek shelter in a sturdier building as soon as you can.

If you're at work, especially in a tall building, get to the lowest level. Stairwells can also provide some extra protection if you have to take shelter there. Don't take elevators that could fail if the power goes out.

If you can't get inside, move away from trees and cars that could be blown over onto you. Find a low-lying area like a culvert or a ditch. Lie face down and cover your head with your hands.

Before the storm even hits have at least two ways to get warnings, whether it's television, the KTXS Weather app, Code Red, or a NOAA weather radio.

The second is practice. No matter where you live, have a plan and make sure everyone in your family knows it. Once you're all sure what to do, practice. Practicing your emergency plan before the bad weather strikes will make an already stressful situation, much easier.