Yet fire and earthquake damage are not generally covered by FEMA in California in most cases (I would expect the Big One, when it happens, to be, but based on the big stink that Trump raised to the applause of certain states, like Florida, about cutting back wildfire prevention/disaster funds to CA in 2019, who knows) and economically that state is much more important than Florida.

And thus California has very-high deductible insurance coverage in areas that are especially susceptible to such disasters, because it IS an inevitable risk that such an event will happen. Florida should do the same, as their "catastrophic disaster" is annual.