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I'm originally from tornado alley (Tulsa, OK) and I don't think it's dumb to live there. A good chunk of my family still lives in Oklahoma and Kansas, and none of us lost a home to a tornado. My grandparents' old home had some damage back in the 70's and that's it. I now live in the southeast and was present for the fun that was Hurricane Hugo and I've dealt with other hurriances. There's a risk, sure, but that's what insurance is for.
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