They're trying to save lives, there's a pretty solid chance based on doppler radar, especially with a hook echo present that there is one trying to drop. In some cases it's night or rain wrapped so seeing it for real is tricky.
They actually do have levels... Radar Indicated, Confirmed (Meaning someone saw it), PDS (Particulary Dangerous Situaton) - which means on the ground and extremely strong, and Tornado Emergency - meaning its especially life threatening and going to hit a populated area.
The better radar apps have this on their warnings - like RadarOmega.
Ryan Hall Y'all on YouTube's live streams have explained all this.
In the case of my parent's storm on Dec 9, they had a Tornado emergency.
Glad you have gotten lucky because where my parents are they've had 4 tornadoes within 5 miles in the last 20 years. Even where I'm at we've had 2 in the last 8.