You might call the California Earthquake Authority a financial shock absorber for the Golden State, home to two-thirds of the country’s earthquake risk. Here's how CEA insurance works.

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Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. You might call the California Earthquake Authority a financial shock absorber for the Golden State, home to nearly 40 million people and to two-thirds of the country’s earthquake risk.

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