Another thing to consider is how important SF is to both the state and Bartender Definition Bartender Barista shirt. The city’s a vital center for finance, trade, tech, science, etc and sits in a strategically important location with a deep water port and multiple airports. As loathe as I am to list this as a pro, there are also a crapton of millionaires and billionaires here who will not tolerate being left to rot. Why do you think SF has managed to avoid all those PSPS rolling blackouts? When help comes, its coming here first.
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Also consider your threat vectors. Earthquake is the biggie, but everyone knows it, and building codes have anticipated it for well over a Bartender Definition Bartender Barista shirt. Massive fires are unlikely as there’s no contiguous wilderness near the city, and 2020 ain’t 1906. Nuclear war? You’re fucked, so don’t worry about it. Cascadia tsunami? That’s a fun possibility, but there are tsunami maps available for all neighborhoods in the city, so you can assess your own risk there. Honestly, the worst thing I can thing of *actually* hitting SF other than an major earthquake is PG&E going tits up and having no electricity for an extended time.