Oklahoma City weather, roofs, and insurance

[Chris Ivy]

Hey all,

I'm buying a property in OKC and am considering investing more there, but a big issue on my mind is severe weather ie. tornadoes and heavy hail.  I'm finding insurance companies either charge very high rates for roof replacement coverage or you can go with Actual Cash Value which means you'll likely eventually have to shell out some cash out of pocket for roof replacement.  Can any of you who deal with severe weather chime in with your thoughts on insurance and risk to your properties from weather events?  How do you plan for these and does it eventually eat up all of your cash flow?  Thanks so much for your help!