Well, I live in Northern California between San Francisco and Sacremento. Looking at the map of fault lines, you can't really avoid them . I'm in the "safer" area but still there really isn't any "safe" place around here. A home owner for 5 years now. I'm starting to think about buying. I went to www.earthquakeauthority.com to get an estimated cost. Pricey of course. About 1K/year. With the rising home owner insurance, property taxes, ect, it'll be a blow! How are you guys handling it?