I've played with several different scenarios myself, and it didn't make much difference on the amount (except if you add/remove earthquake insurance). 

They are usually rolled back in for future developments-New Story newstorycharity.org is a company that came out of Y Combinator and has a very strong track record of developing homes for earthquake victims in Haiti. 

There could be a lot of damage in an earthquake.

(I actually know how to use a *calculator* to determine the time value of money (investing) ;-) Costs, taxes, operations, hassle, rent controls, traffic, unfunded pensions, state liabilities, earthquakes, fires, mud slides, other taxes and more taxes, other risks, unresponsive government and on and on.

GFC, earthquake/recession and dot com bubble and it never really stops though.

Things like upgrading wiring and plumbing, or adding firewalls in attics, fire sprinklers, alarms, soundproofing, wind/earthquake hold-downs, extra parking spaces...who knows...but you need to find out in advance and budget for those.Then there is the legal cost. 

In case of real estate, you are one big earthquake (I'm from California :-D ), or hurricane, or flooding away from being wiped out. 

We were tasked with writing the section specific to accommodating the needs of seniors and people with disabilities in the event of a disaster such as an earthquake, weather event, explosion, act of war, etc. 

the CA bay area recession of 1989 to 1993  Earthquake and war dot com. 

You will need civil engineering to deal with the slopes, drainage and grading of the land; a structural engineer to make sure that it can resist lateral (earthquake and wind) loads; and the architect will make sure that it complies to the local residential building code (as well as coordinate all the other engineers).