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Viewpoints: Quake near DC can help us prepare for the 'Big One'

It's been an interesting year as fellow Americans on the East Coast have faced more than their fair share of natural disasters. And the most shocking revelation was the false assumption that earthquakes are exclusive to the West Coast. But this summer's earthquake centered in Virginia provided a forceful reminder that more than 75 million Americans in 39 states live near active earthquake faults.

If there is a positive outcome from these events, it is that federal officials share what has long been a California perspective regarding natural disasters. Since this summer's quake, leaders in Washington have called for the need to have a crisis plan in place to respond and rebuild. And on a recent radio show we took notice of the edict and discovered an obvious remedy that limited government can produce.

Here, in the Golden State that often shakes, the California Earthquake Authority is charged with helping homeowners prepare for and recover after a quake. For those that don't know, the CEA is a publicly managed, privately funded organization that provides residential earthquake insurance and encourages Californians to reduce their risk of earthquake loss. Today, CEA is the largest provider of earthquake insurance in America and has accumulated almost $4.3 billion in capital. The funds are separate from the California state budget, and the state cannot take, borrow or otherwise use them for other means.

That's the good news. But there is also bad news.

While nobody disputes the value of earthquake insurance, only 10 percent to 12 percent of Californians are covered today – that's down from 25 percent in 1994 following the massive Northridge quake. When one considers that 80 percent of California's residents live on or near a fault, and that scientists estimate there is almost a 100 percent chance that we'll be hit by a massive quake in the next 30 years, the state's ability to help families rebuild will be severely compromised.

Most people believe that government will bail them out or that they'll simply escape, but that's nothing more than playing Russian roulette with your most important personal asset. The truth is that the federal government is not – should never be – in the business of rebuilding homes, a fact that we've discussed continually on radio which has become crystal clear in the aftermath of Hurricane Katrina and more recent U.S. natural disasters.

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