When you live on the Pacific “Ring of Fire” luck has nothing to do with it. It’s when and how big!
Just a matter of time in the SF Bay area. We had a 5.6 last year (early 2008- the strongest since Loma Prieta) and the Hayward fault in the east bay is at about the average time between large quakes (there’s creep all the time).
I have a job inspecting a 1963 built apartment building about 300 feet from it Tuesday and hope it doesn’t hit while I’m there!