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Although sometimes the reconstruction can be on a smaller scale than what was there before - eg New Orleans. http://en.wikipedia.org/wiki/Reconstruction_of_New_Orleans

In the case of earthquakes, while they can happen anywhere, they're most common around plate edges, eg up and down the Pacific coasts of the Americas, the Mediterranean and NZ. So while it's not foolproof, careful location selection can reduce this risk. A precedent closer to home is last...