dig, so they don't have cellars. I don't know what they do for septic lines, etc. Lot of work to do trenching, perhaps. The septic tank sounds good, but might not be affordable.
This ^, FEMA pub 320 I believe it is "Taking Shelter From the Storm" includes a number of designs developed and tested in Texas Tech's Tornado Lab. The problem with ICF's is that most if not all of the ICF designs have non-contiguous masonry meaning if the 200 MPH 2x4 hits at the right spot it goes right through.