It seems as though the more beautiful the area, the more varied and destructive the natural forces lurking just around the corner seem to be. California is a perfect example. The image of a bunch of children huddling under school desks during an earthquake is superimposed in my mind with another image, from an old B-grade sci-fi movie in which the protagonist is scuba-diving, looking for treasure...as he swims through downtown L.A., submerged under 100 feet of water.
Drop cover and hold no longer applies universally. It depends on the building