BE PREPARED
Why Should I Insure Against Earthquakes?
- An earthquake disrupts your life suddenly and unexpectedly.
- It can cause expensive damage and even make it necessary for you to leave your home.
- Standard homeowners and renters insurance policies don’t cover earthquake damage.
Even if you qualify for federal disaster aid, you’re unlikely to receive enough to pay for all of your recovery expenses:
- The average payout is too small to cover the cost of repairing serious damage.
- It may be months (or longer) before you receive this aid.
- If the aid takes the form of a loan, you will have to pay it back, with interest.
Learn more about disaster assistance:
Planning ahead for your recovery brings peace of mind now and reduces stress and uncertainty after an earthquake.
Speed up your recovery
Where Do I Start?
What we do today to prepare ourselves and our families can make all the difference when disaster strikes.
Be Informed
What is my earthquake risk?
Earthquakes. They don’t happen seasonally. No one can predict them. But scientists have a very good idea of where earthquakes will occur, what kind of damage they can do, and who is at risk.
Learn about the earthquake hazard where you live.
| Western U.S. (by State/Territory). | View |
| Central & Eastern U.S. | View |
| U.S. Geological Survey: Information by State/Territory. | View |
Identify the kinds of damage an earthquake can do and take steps to minimize it.