Ask the folks in South Miami-Dade who were there when Andrew hit.
Two-thirds of San Francisco Bay have been filled in over the past 150 years. Liquefaction of the soil will be a prime cause of serious problems--and few parts of the state do not have construction on some sort of fill, from UCLA to much of San Francisco, and our three largest airports in the state.
Preparedness by local officials varies widely from community to community. Dad gave each of us a Red Cross emergency kit at Christmas --I encourage you to give one to everybody you care about. I suspect when it happens, I'll be across town from home; it's not crazy to have a spare emergency kit in your trunk.