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Below-ground shelters are the best in terms of durability, but there is a risk of flooding and obstruction. Modern technology and rigorous construction requirements make above-ground shelters a better option for accessibility, safety, and, usually, your budget. They may not have the same aesthetic appeal, but many of their features make above-ground shelters a better option. 

Sandbags are the most common and efficient way to create a flood barrier at home. Some local authorities pass them around to homes before the risk of a flood. Otherwise, you can use flood-proof house materials, like burlap or woven plastic bags, to make sandbags and fill them with sand or cat litter. Make sure that when you stack them, they’re tightly laid on top of each other, creating the effect of a firm wall against accumulating water.

Yes, you can enclose your crawl space. Enclosing your crawl space can promote energy efficiency and reduce the risks of pests and mold by limiting factors like humidity. It can also reduce heat loss, which is why doing so for the winter can make your home more comfortable.

In most cases, it is safe to live in a home with minor foundation problems, but you should not let the issues persist. Virtually all foundations have small cracks from normal settlement, which are not a structural concern but should be sealed to prevent water intrusion. However, major damage—such as large structural cracks, sinking foundations, or bulging walls—can make a home unsafe. Other issues that can pose safety and health risks include poor indoor air quality from mold or pests, uneven floors, and rotten beams or joists. It is always best to have a foundation repair expert or structural engineer inspect any issues to determine if your home is safe to live in.