They aren't when a fire in Redding CA isn't going to impact insurance rates in Torrance CA.

Insurance rates are calculated at a hyper-local level.

Plus, building codes in CA require earthquake retrofitting to survive an 8.0 earthquake (10x the size of the Port-au-Prince earthquake).

It's like me saying the east coast is unlivable due to polar vortexes and hurricanes, or the Midwest is unlivable due to polar vortexes and tornados.

It really. It’s all based on anecdotes you see in the news. Big state with large population means more anecdotes to report on.

The storms this year caused lots of issues and were widely reported. But normalize for the size of the state not all that big a deal.

Earthquake risk and water scarcity are true, and these issues have been endemic, and they happen exactly at the major population centers / agricultural areas.