I'm in the same earthquake zone that you're in. I also worry about this at times, and it's scary to think about. I do my best to remind myself that there's a good chance it won't even happen in our lifetime, and even if it did, our chances of survival are still good. I'm also about to order the book "The Signal and the Noise" to help understand the nature of these "predictions". In all honesty we just don't know when it's gonna happen, to say that it's "overdue" is probably simplifying things.
If it makes you feel any better, a building made out of wood is much more earthquake resistant then some other types of building materials. Also, a building made in 1998 is also much more recent then a lot of other homes and apartments, so I would imagine the building codes to be significantly more recent then the average building. At least that would be true for where I live. For myself though, I would like to find a single story wood frame house because I would feel more comfortable, so I'm working towards that.
Just keep in mind that if we're calculating overall risk, every part of the country is prone to natural threats of some kind (flood, tornado/hurricane, volcanoes, bugs, sink holes, lighting, freezing/power outages, heat wave, etc), and our area doesn't really have a lot of those risks, so I imagine it all kind of evens out. Basically, in terms of areas with natural threats we could do much worse; a potential threat (or to put it nicely, non-ideal conditions) of some kind will be present anywhere in the world. Most people who live in this region find that the benefits outweigh any risks.