An earthquake expert says there's one place in San Francisco she'd never live

There's a 76% chance that the Bay Area will experience a more severe earthquake than 1989's Loma Prieta temblor in the next three decades.

"It could happen tomorrow or in 30 years," Mary Comerio, an architect who specializes in earthquake engineering research and a professor of disaster recovery and reconstruction at the University of California, Berkeley, told Business Insider.

The potential impacts of this quake on San Francisco are severe. Heavy, dense apartments built above cavernous garages (also known as soft-story housing), will buckle as the marshy soil beneath them - added in the latter half of the 19th century by zealous developers wanting to extend the peninsula's real estate - behaves like a liquid.

This phenomenon, which seismologists refer to as liquefaction, is one of the region's biggest threats. It plagues the majority of neighborhoods on San Francisco's eastern shoreline as well as a slice of land along its western edge. Essentially, anything along the water is at significant risk - something that Comerio said has heavily influenced her decisions about where to live.

As a result, she said she'd never consider moving to a place near the waterfront.

"I don't want to live on soft soil. I'd love to be able to walk along the bay but I don't want to live in that setting because I know it's going to be highly damaged," Comerio said.

The fact that she so ardently considers the soil conditions in an area has become something of an inside joke to her friends and family, Comerio said.

"It's become a family joke that I always say, 'Honey, I like the soil conditions here.'"