earthquakes are a little less random than hurricanes. And the more complacent one gets over time with earthquakes, the more likely you are to need it. I live in San Fernando valley, about 4 miles directly south of the northridge epicenter. And, I don't have earthquake insurance. I am taking what I would call an educated gamble. The last earthquake here was in 1994 and we are on an approximate 20 year cycle. A strong earthquake relieves pressure and makes another strong earthquake less likely, so....I'm gonna wait for another 5 years before I buy quake insurance. If I am wrong....well, I have a nice flexible single story woodframe home on flat ground. In other words, the perfect home in which to ride out a strong earthquake.
On the coast in ventura county, it is interesting to see the rebuilt homes on the beach. Almost all are two story, with the first level being concrete walls that are perpendicular to the shoreline. Usually, the entire first level is a carport. Of course, during the strong winter storms, many homes have been destroyed....but this new design that accepts and accommodates mother nature, seems to be fairing well.
Perhaps those who decide to rebuild in New Orleans should think about a two-level design where the first level is concrete (easily cleaned, doesn't rot like wood in floodwater).
It would seem that insurance companies could give a little incentive for home designs that plan for the worst. |
