Is it worth the cost to replace vinyl siding with Hardee siding?
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I have Hardie Board siding. It is solidly and directly attached to the house--much like nailing 2 flat boards together. It can't move with the wind and the wind could never blow any of it off. The only way it could come off is if the whole house was destroyed by a tornado or if there was major tree damage. Mine is textured to look like real wood. There are some different options with this siding but it is well worth the money and so much better than vinyl or aluminum siding.
If the siding is in good condition leave it there. If it gets damaged, then consider replacing it with Hardee siding.
Some opinions:
http://kskustomsigns.com/2016/01/12/live-in-tornado-country-what-are-your-best-siding-and-roofing-options/
https://www.thisoldhouse.com/ideas/hurricane-safety-lessons-learned-past-storms
Having now read more articles, most experts seem to believe investing in a shelter the best bang for the buck.
They also agree in roof tie-downs, hurricane clips, and threaded rods to hold house to the foundation.
Most say the attached-garage doors (a great vulnerability) should be a primary concern as well.
So, if the roof can blow off or the garage door blown in, the house can go poof.
Makes sense.