It is no different than flooding, earthquakes, robbery, etc.

I lived in SF for a year back in 89-90, and was there for the earthquake.

Anywhere you invest is going to have some risk of disaster... fires, earthquakes, tornadoes, etc. 

If you are available I would really appreciate the facetime or meetup.As for the question earlier about japanese houses, they usually are not built to last very long due to the earthquakes and weather here.

Generally, the only time a building is required to get a Certificate Of Occupancy is when a new building is constructed, when an existing building is converted from commercial to residential and maybe after an existing residential building has been deemed to be unsafe by a government agency after the building is destroyed by an earthquake, fire, flood, chemical spill, or sewer waste spill.

There are things insurance excludes like flooding, toxic spills, sink holes, earthquakes, unless you buy a ton of special (and expensive) riders for your policy.  

Best public schools in the country, lowest insurance rates (because Maryland has low risk for blizzards/hurricanes/earthquakes/tornadoes)) and lots of military bases and permanent federal installations like NASA, NIH, FDA, Census, SS Administration, etc. that make it recession resistant. 

I get that we would love to learn from history, but whose to say that another different pandemic won't come… or an earthquake, or a war….

Roughly three thousand people died in San Francisco’s 1906 earthquake.

It's old and I worry a bit about the walls falling down during Seattle's overdue earthquake.