HAZARD

Earthquake

Rare but sudden — most injuries come from falling objects, and most policies exclude the shaking.

FEMA National Risk Index & Ready.gov (reviewed) · reviewed 2026-07-06

What raises the risk

• Living near an active fault or on soft, fill, or liquefaction-prone soil.
• Older homes not bolted to their foundation or with unreinforced masonry.
• Heavy furniture, water heaters, and shelves that aren't secured.

How to prepare

• Secure heavy furniture, water heaters, and cabinets; move heavy items low.
• Learn 'Drop, Cover, and Hold On' and keep sturdy shoes and a flashlight by the bed.
• Consider a foundation retrofit for older homes; keep water and supplies for several days.

Insurance

Standard homeowner policies do NOT cover earthquake damage — it's a separate policy or endorsement. Weigh the cost and deductible with a licensed professional.