I'd do this.

If you're open to a suggestion for a setting, maybe Memphis, Tennessee? The [url=http://en.wikipedia.org/wiki/New_Madrid_Seismic_Zone]New Madrid fault[/url] is likely to go at some point in the next century or so, and it'd be interesting to play as people who wouldn't normally think to prepare for an earthquake in a place that isn't really equipped to respond to one. Unless the tsunami part is what you're after, in which case I'll shut my trap.