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.
Where Earthquake risk rates highest
Covered US counties with the highest FEMA Earthquake risk score (a national percentile):
- Los Angeles County, CA100
- San Diego County, CA100
- Orange County, CA100
- Riverside County, CA100
- King County, WA100
- San Bernardino County, CA100
- Santa Clara County, CA100
- Alameda County, CA100
General information, not insurance or financial advice. Risk varies by specific property — confirm your coverage and needs with a licensed professional.
