The latest cost estimate of the damage from the magnitude 6.0 earthquake in Napa, California is $1 billion. That includes damage to city buildings, business like wineries, and homes.
For those living in Napa, the clean up costs will likely be paid out of pocket. According to the California Earthquake Authority, only six percent of homeowners and renters in Napa have earthquake insurance.
Lynne McChristian with the Insurance Information Institute says the numbers statewide aren't much better. While eight of the 10 costliest earthquakes in U.S. history have occurred in California, only about 10 percent of Californians have earthquake insurance.