The quake occurred as the train pulled into the San Francisco station. The train stopped for a while before entering the station. There was no announcement and I wasn't even aware there was a quake since I was in the upper deck of the train car and the train rocks naturally.
When I deboarded, I turned on my portable radio to check the Series, and was told there was a delay due to an earthquake. I didn't think much of it since small quakes are not uncommon around here. When I later heard a news reporter say the Bay Bridge was down, that got my attention. It turned out to be a bit of an exaggeration.
I was planning to take the Muni line, but that was out of service, and so I headed home by foot. I remember looking down Market Street toward the Financial District and seeing a sight that reminded me of a Godzilla movie. People were streaming through the streets and up above them was the Goodyear blimp, televising the scene. The blimp was conveniently in town for the Series.