It is pretty hard to think of a situation that would make the buildings completely unusable for shelter. Even flattened, look at pictures of houses felled by tornadoes, there are still wall sections and plenty of lumber to assemble a decent shelter out of.
Well I'm more or less talking about a worse case scenario for the buildings. If there's enough issues surrounding you easily like the ones you stated a tent by itself would be the quickest easiest most all around solution. The added Protection form the building if you pitch it inside would just be a bonus.
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