That's really mature. And you quoted HIS deductible assuming that it would apply to YOUR house. You did NOT quote HIS house rebuild value or YOUR deductible.
So I am dumb?
Goes to show how much you do NOT know about Earthquakes. Look at the site I posted; it clearly shows the effect of even the (relatively small) Loma Prieta quake; the ground cracked in SEVERAL places all over and around the fault and caused it to liquify in several other places, even far away from the fault.
Did you get a quote from the CEA for a quake insurance for YOUR house? If your house really is that cheap to rebuild, I'm sure your deductible will NOT be $130k even for a much, much lower yearly payment.