Flood Insurance - federally guaranteed insurance sold through private insurance companies. Price set by the government If you home is in a Special Flood Hazard Area, your mortgage lender will require flood insurance Visit http://www.fema.gov/nfip/answe2d.shtm for more information Earthquake Insurance - high premium and high deductible. But you need to have it if you live in an earthquake hazard area. Visit http://quake.wr.usgs.gov/prepare/factsheets/RiskMaps/ to check earthquake risk in your area Visit the California Earthquake Authority to look up rates http://www.earthquakeauthority.com/rates/rates.html#top