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38 problems are evaluated on the basis of known facts , the best known of which resulted from the 1906 San Francisco earthquake . He stated that photos of downtown San Francisco of buildings on unengineered fill after the earthquake , before the fire , showed that properly constructed buildings performed well , and observed that damage in the recent Santa Rosa earthquake indicated much greater damage than would be expected in Redwood Shores . He noted that most seismic research is done by the U . S . Coast and Geodetic Survey , not USGS , and that the latter does not evaluate as to the severity of potential hazards . He pointed out that engineers design in terms of experience , and with the safety of people in mind * Mayor Bury introduced Senator Dolwig who stated he felt the basic question was whether the dikes are to conform to the 1 . 5 : 1 or 1 : 1 standard , and asked Mr . Moore whether the dikes can be brought to the 1 : 1 standard . Mr . Moore stated he believed this can be done , and , therefore , brought to the Corps of Engineers requirements . He added that whatever criteria are applied in Redwood Shores should be applicable to other areas also , such as hillside areas , Southern California , and the entire Bay Area , but believed if this is done , construction in California would stop . Senator Dolwig reviewed the controversy over the BART tube under the Bay , noting that the same questions were raised , that California made its decision to proceed with the construction , and that it is up to the federal government to likewise make its decision . Assemblyman Britschgi , noting that he was an author of legislation making Redwood Shores possible under the District procedure , commented on his surprise at the present controversy , but complimented the Council for conducting an open meeting on the subject so that Congressman McCloskey could report back to Washington with proper information . He felt that the differing opinions about the 1 : 1 and the 1 . 5 : 1 ratio were ridiculous and noted that he lives in an area in Sacramento where the ratio is 1 : 1 . He suggested that Congressman McCloskey remind the Federal Subcommittee of theWestlake area in Daly City , which lies directly over the San Andreas Fault , and which was declared a disaster area in 1957 following an earthquake , but that to his knowledge there were no changes in FHA or VA loans for that area following the quake , whatsoever , and apparently no concern with reference to continuing to build in that area . He concluded that the question now seemed to be how to repair the damage resulting perhaps from lack of information , and felt that the economy of the entire Bay Area is being adversely affected by the delays in the project , Mr . James Hinson , Redwood Shores Homeowner ' s Association , addressed Congressman McCloskey with regard to finding a simple solution to the FHA -VA participation , since a significant number of families in Redwood Shores carry , or intend to carry , earthquake insurance cover - ing 95% of their loans , which would protect the government agencies from any significant financial loss in the event of earthquake damage . Congressman McCloskey responded that there is a very real possibility that the answer would be through an insurance program , and noted that presently HUD is conducting an investigation regarding earthquake rates , which he understood was approximately $40 per year . In response to a question by Mr . Hinson , . l