In earthquake country, most Californians lack insurance to cover damage

NAPA, CA - AUGUST 24: A pedestrian walks by a mobile home that shifted off of its foundation at a mobile home park following a reported 6.0 earthquake on August 24, 2014 in Napa, California. A 6.0 earthquake rocked the San Francisco Bay Area shortly after 3:00 am on Sunday morning causing damage to buildings and sending at least 70 people to a hospital with non-life threatening injuries. (Photo by Justin Sullivan/Getty Images)

While eight of the 10 costliest earthquakes in U.S. history have occurred in California, only about 10 percent of Californians have earthquake insurance.

The latest cost estimate of the damage from the magnitude 6.0 earthquake in Napa, California is $1 billion. That includes damage to city buildings, business like wineries, and homes.

For those living in Napa, the clean up costs will likely be paid out of pocket. According to the California Earthquake Authority, only six percent of homeowners and renters in Napa have earthquake insurance.

Lynne McChristian with the Insurance Information Institute says the numbers statewide aren't much better. While eight of the 10 costliest earthquakes in U.S. history have occurred in California, only about 10 percent of Californians have earthquake insurance.