You can't debate it and FEMA wants to give you info to help you build or set up your own shelter.  If you can't build a shelter, how about setting up a safe room?  FEMA also has guidelines on how to get started.

It's not overkill.  And, also, it shouldn't scare you.  If you're new to this area -- the main idea is to be prepared and you won't be scared.

In fact, that will be my new motto:  BE PREPARED AND YOU WON'T BE SCARED!