Hearing about the damage in Napa, you may wonder if you should have earthquake insurance.

State Insurance Commissioner Dave Jones says it really depends on where you live.

The state's insurance commissioner says not too many people in our state carry earthquake insurance.

"Regrettably, only about 10 percent of California homeowners have earthquake insurance," he said. 

Just 6 percent in the Napa-area have it, and that's where Jones says it's needed.

So what kind of insurance should homeowners in the State Capitol have?

"In Sacramento, I encourage people to get flood insurance, even if you're outside the flood plane, because just about everywhere in Sacramento is susceptible to flooding..." he said. 

If you'd like more information call 1-800-927-4357.