LOS ANGELES - California's low-income and minority populations will be disproportionately affected by a new condominium earthquake insurance requirement planned by the Federal Home Loan Mortgage Corp., or Freddie Mac, according to a Realtors' analysis.

The study by the California Association of Realtors found that nearly one-third of the state's minority populations live in zip codes designated "high-risk" under Freddie Mac's plan. That was more than three times the number of minorities who live in "low-risk" zip codes, which would be unaffected.

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