“When thunder roars, go indoors!” is a truism that actually holds up. But much of what we think we know about lightning is fiction. Here are some common myths, along with the facts that will keep you and your loved ones safe in a storm.

When atmospheric conditions are right, tornadoes can strike with little warning and cause grave amounts of damage in a very short time. These tips can help minimize your risk and keep you and your family safe.

Protecting yourself and your family

• Keep calm. Stay in your shelter until after the storm is over.
• Check people around you for injuries. Begin first aid or seek help if necessary.
• When you go outside, watch out for downed power lines.

Protecting your property

• Make temporary repairs to prevent further loss from rain, wind or looting. These costs are reimbursable under most policies so keep the receipts.

Each year, about 1,200 tornadoes with wind speeds as high as 300 mph touch down in the United States. Though potentially not as damaging as hurricanes, tornadoes are more frequent. They can cause severe damage over a small area and, particularly before the advent of tornado warnings, many deaths. In the decade, 1965-1974, they were responsible for an average of 141 deaths each year, compared with 57 in the 10 years 1995-2004. The peak of the tornado season is April through June or July.

Warnings/watches

Remember that a watch means that weather conditions are favorable for tornadoes and a warning means one has been spotted in your area.

Hurricanes can be violent and dangerous to your family and your home. Before a major storm threatens your community, take steps to secure your home and protect yourself, your loved ones, and your property.

Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best time to start is before the threat is imminent. Here's what you need to know.

Protecting yourself and your family

• Do not enter your home if flood waters are over the first floor.
• Flood waters may bring poisonous snakes into your home. When walking through your home wear thick shoes and be alert.
• Do not consume food that has come in contact with flood waters.
• Beware of fire hazards such as broken gas lines, flooded electrical circuits and flammable or explosive materials coming from upstream. 

Protecting your property 

• Inspect your home for damage, especially for cracks in foundations.