With their state frequently hit by mudslides and quakes, Californians believe their state is prone to disasters, but few are adequately prepared, a new poll has found.

The survey, sponsored by the Insurance Information Network of California and Fireman's Fund Insurance Company to mark the 100th anniversary of the San Francisco Earthquake, found that only 22 percent of Californians consider themselves to be physically or financially ready for a disaster in their area.

Nearly half singled out "common sense" as the reason to prepare for disaster. But they noted few incentives that would motivate them to be ready for future earthquakes, floods or fires.

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