Do most homeowners insurance policies cover Tornado damage?

[Amir Navabpour]

Several of the markets I'm looking at investing in get Tornados and I'm wondering if 1. the standard homeowners insurance one would purchase cover that?  If not 2. How much extra do they charge?  For example, where I live in California, the standard Homeowners insurance does NOT cover earthquakes, but because it is so expensive, most people do not buy coverage.  For people living in the midwest what's your advice?