The 2014 Napa earthquake is approaching a dozen years ago, but seems to me like yesterday. It occurred early on a Sunday morning at 3:20 AM, a 6.0 which caused significant damage in the immediate area. I happened to be laying in bed, wide awake, when it hit, ~50 miles south of Napa, but it was powerful enough to shake houses on the Peninsula that I thought it was a more local temblor. After checking for damage in my house, I got my bedside radio going and punched up KCBS (which was in the middle of one of those "CBS Week In Review" programs, KGO (which was also playing something canned), KQED (running a repeat of some program that had aired Saturday PM), and even KNBR (a rerun of a Giants game, IIRC). Eventually the KCBS overnight anchor (Dean Dano, IIRC) and whoever the overnight editor was, were able to get the station out of automation and slowly start airing information from reporters who just knew what to do and where to call or drive to, reach local officials who themselves were trying to size up the situation, and even take listener calls to provide perspectives from different locations.
In contrast, it took KQED until Weekend Edition began airing at 5 AM to have a live body at the controls who could give any information at all. KGO never really caught up. (In earlier times they'd have been taking calls within minutes until there was more official USGS info.)
What I'm describing is a lot more recent (and significantly less intense) than Northridge or Loma Prieta, but it does give some picture of what happens when nobody's awake at the switch when an event happens at the worst possible time of the week. 3:20 AM on a Sunday morning is, debatably, the worst possible time of the week for a disaster to hit. If a similar disaster is a 7.0 in late 2025, do any of you think the reaction will have improved? Yeah, probably not.
If you choose to play music, then you may be able to get by with automation, smaller staffs and 12 minutes an hour of commercials. If you choose to air news and information, your staffing costs will be higher, but if you do it right, you will be the station people depend on when things go off the rails (figurative and sometimes literally), and you'll be able to air 20 minutes of spots. However, go AWOL in a disaster and you blow away all credibility. Just ask the people who used to be at KGO.