yeah
Tornadoes are not like tropical storms where the energy is unleashed over a larger area.
They are concentrated, pencil of annihilation.

For a house to be made to withstand the an ef5, youre basically building a military bunker that wouldve cost millions.
And no point making one just to withstand the lesser ones because a twister can fluctuate in power anytime.
No one can control nor predict that.

Besides, its not like your home will definitely be affected by tornadoes every year.
Way cheaper to pay attention to alerts and tornado insurance.
Yes, it is that unlikely to be affected by tornadoes that insurance companies are willing to bet against it.