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After reading all of this, there's one thing I still can't believe...
People in the midwest have Earthquake Insurance? I live on the Ring of Fire, and I don't have Earthquake Insurance. I don't know anyone here in Seattle who has it, and we have lots of faults running all over the place. The only people I know with EI live in California. A 5.0 is a pretty small earthquake, one that won't cause any significant - if any - damage. We have them in the west pretty regularly and sometimes you can't even really feel them.
Earthquake insurance in the midwest is as necessary as tornado insurance is in the west. In other words, ridiculous.
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