California earthquake insurance messed up

I was surprised to learn how few Californians have earthquake insurance. Less than a small city, according to this. I've read about lots of complaints, such as the high deductible, etc. The cost is being jacked up again, so I'm sure there will be even less. If there is a big earthquake, I'm sure that the federal government will pour in debt-money, and do a great job, like post-Katrina!