Above ground shelters are used by a wide variety of homeowners and businesses. Groundwater tables may make it impossible to install or build a shelter below ground, elderly or people with limited mobility may be unable to access a below ground shelter, or people may have significant phobias pertaining to below ground sheltering.
Texas Tech University's National Wind Institute have done extensive research that concludes that sheltering in an above ground storm shelter is as safe as seeking below ground shelter during massive EF4 and EF5 tornadoes.* |

*Source: https://en.wikipedia.org/wiki/Storm_cellar |