The 6.7 magnitude Northridge earthquake that hit 20 years ago, caused $20 billion in damage and destroyed or severely damaged 7,000 single family homes.
Earthquake coverage is excluded on your homeowners policy, and without a separate earthquake policy, the homeowner is responsible for all the costs of repairing or rebuilding, replacing personal property and living elsewhere if a home is too damaged to live in.
The average homeowner claim from the Northridge Earthquake adjusted for inflation was about $180,000, and about $117,000 - $126,000 of each claim was typically for damaged home contents.
In the 1994 Northridge Earthquake, almost a third of California households had earthquake insurance, today only 11% of California homes are insured for earthquake damage.
Each year the southern California area alone experiences about 10,000 earthquakes, most of them not felt by people.
About 81 percent of the world's biggest earthquakes occur along the Pacific earthquake belt nicknamed the "Ring of Fire," part of which runs up the West Coast from Southern California to Alaska, according to the U.S. Geological Survey.
The San Andreas Fault is moving about 2 inches a year, about the same rate fingernails grow. At this rate, San Francisco and Los Angeles will be next to each other in 15 million years.
Four things less likely to happen than a major earthquake along the San Andreas fault by 2038 (63%):