The 6.0-magnitude earthquake that occurred Sunday near Napa, California, will result in far fewer claims than either the January 1994 Northridge, Calif., or the October 1989 Loma Prieta quake, said the Insurance Information Institute. Early estimates put insured losses well under $1 billion.

The I.I.I. reported that 42 states are at risk for earthquakes, with 16 states at high risk. A 2014 Insurance Information Institute (I.I.I.) survey revealed that only 7 percent of homeowners nationwide report having earthquake coverage, down from 10 percent last year. The percentage of homeowners and renters who have earthquake coverage in Napa is less than 6 percent. In Sonoma, the percentage is less than 10 percent, and about 10 percent of Californians have a residential earthquake insurance policy, said the California Earthquake Authority.

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