All over the world the last couple of decades you've really seen an explosion of studies of paleoseismology - dating and studying past earthquakes by digging trenches through faults, extending well beyond human written records in time.
It's proven quite valuable in identifying risk, especially in areas that have had civilized settlement for a very brief time, like Seattle, Salt Lake City - but it's clear Insurance companies are taking a look at the information and going "Holy Crap, there's a lot more risk here than I thought."
"but it's clear Insurance companies are taking a look at the information and going "Holy Crap, there's a lot more risk here than I thought."
I think they know the government will foot the bill in the event of a quake, so why take the risk?