Similiar situation with the fire and earthquake hazard. There's a 50-100 ft defensible space at the edge of the chapparell, and everybody uses terracotta or asphalt shingles. I can't speak for earthquake preparedness though. As best as I can tell, I'm the only one with furniture bolted to the wall.

When I moved in, I had to sign a paper saying that I acknowledge the fire and earthquake danger. So, it's common knowledge in the area what the hazards are.
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Hope for the best and prepare for the worst.

The object in life is not to be on the side of the majority, but to escape finding oneself in the ranks of the insane