Wow this is timely. There are 2 ways that you could create a storm shelter one is by adding a structure above or below grade or you could re-enforce a room in the house with the idea of creating a safe area. Review your HOA Covenants for information. While the HOA will not specifically address storm shelters it will address architectural review standards. These standards will tell you what steps you should take to build a structure. What ever you do make sure that you get the proper permits. Do not trust that you can ask for "forgiveness later" Building standards exist to protect you and your family from poor or incompetent workmanship. Best of luck to you!
Keller Williams Realty