Storm Shelters Save Lives
You can't debate it and FEMA wants to give you info to help you build or set up your own shelter. If you can't build a shelter, how about setting up a safe room? FEMA also has guidelines on how to get started.
It's not overkill. And, also, it shouldn't scare you. If you're new to this area -- the main idea is to be prepared and you won't be scared.
In fact, that will be my new motto: BE PREPARED AND YOU WON'T BE SCARED!