The destruction and loss of property due to 200 mph flying debris during tornadoes is devastating. Cast-in-place concrete homes are more resilient than wood frame homes and safer during tornadoes, hurricanes, and earthquakes. One of the number one benefits homeowners mention when asked about their concrete home is their reduced insurance rates due to the durability of their homes. Insurance rates for concrete homes are often 15 to 25 percent lower. As an example, according to the Portland Cement Association, one insurance agent in St. Louis, Missouri, offers discounts on homeowners’ insurance policies of up to 25 percent for concrete homes. The fire insurance portion of property insurance is higher for wood than for concrete structures, recognizing the far greater fire peril due to wood’s combustibility. Insurance companies recognize walls built with concrete as being safer than any other form of home construction.