House damage in central Oklahoma from the magnitude 5.6 earthquake on Nov. 6, 2011. Research conducted by USGS geophysicist Elizabeth Cochran and her university-based colleagues suggests that this earthquake was induced by injection into deep disposal wells in the Wilzetta North field.
How do I decide whether or not to get earthquake insurance?
You should consider the following factors when deciding whether or not to get earthquake insurance:
- proximity to active earthquake faults
- seismic history of the region (frequency of earthquakes)
- time since last earthquake
- building construction (type of building and foundation)
- architectural layout
- materials used
- quality of workmanship
- extent to which earthquake resistance was considered by the designer
- local site conditions (type and condition of soil)
- slope of the land
- fill material
- geologic structure of the earth beneath
- annual rainfall
- value of the building and its contents
- cost of the insurance and restrictions on coverage (i.e. the deductible).
You will probably need an expert to evaluate your situation. The USGS is unable to make recommendations, but your homeowner’s insurance agent may be able to provide additional information.
Related
What is a seismic zone, or seismic hazard zone? What is a seismic zone, or seismic hazard zone?
Although you may hear the terms “seismic zone” and “seismic hazard zone” used interchangeably, they really describe two slightly different things. A seismic zone is used to describe an area where earthquakes tend to focus; for example, the New Madrid Seismic Zone in the Central United States. A seismic hazard zone describes an area with a particular level of hazard due to earthquakes. Typically, a...
What is seismic hazard? What is a seismic hazard map and how are they used? What is seismic hazard? What is a seismic hazard map and how are they used?
Seismic hazard is the hazard associated with potential earthquakes in a particular area, and a seismic hazard map shows the relative hazards in different areas. The maps are made by considering what we currently know about: Past faults and earthquakes The behavior of seismic waves as they travel through different parts of the U.S. crust The near-surface site conditions at specific locations of...
What are the earthquake hazards/risks where I live? What are the earthquake hazards/risks where I live?
Determining your risk with regard to earthquakes, or more precisely shaking from earthquakes, isn't as simple as finding the nearest fault. The chances of experiencing shaking from an earthquake and/or having property damage is dependent on many different factors. The National Hazard Maps use all available data to estimate the chances of shaking (of different strengths and frequencies) across the...
How will my house hold up in an earthquake? Can the USGS send someone out to evaluate my property? How will my house hold up in an earthquake? Can the USGS send someone out to evaluate my property?
Published maps will only provide generalized, uninterpreted information about specific areas. Every property consists of a unique combination of geologic and structural factors that must be considered to determine what might happen to a house during an earthquake. Therefore, an individual site study is necessary. Geologic factors include: type of underlying material, depth to bedrock, depth of...
How do earthquakes affect buildings? How do earthquakes affect buildings?
Ground shaking is the primary cause of earthquake damage to man-made structures. Many factors influence the strength of earthquake shaking at a site including the earthquake's magnitude, the site's proximity to the fault, the local geology, and the soil type. More than 250 structures throughout the United States have been outfitted with seismic sensors by the USGS National Strong Motion Project...
What is the likelihood of a large earthquake at location X? Is it safe to go to X since they've been having a lot of earthquakes lately? What is the likelihood of a large earthquake at location X? Is it safe to go to X since they've been having a lot of earthquakes lately?
The National Seismic Hazards Mapping project provides an online Web tool for determining the probability of a large earthquake within 50 kilometers (~31 miles) of a specific location in the United States over a certain time period. The calculation is based on the latest available information from seismic hazard data. However, asking if it's safe to travel somewhere because of recent earthquakes is...
House Damage from 2011 Oklahoma Earthquake
House damage in central Oklahoma from the magnitude 5.6 earthquake on Nov. 6, 2011. Research conducted by USGS geophysicist Elizabeth Cochran and her university-based colleagues suggests that this earthquake was induced by injection into deep disposal wells in the Wilzetta North field.
How do I decide whether or not to get earthquake insurance?
How do I decide whether or not to get earthquake insurance?Listen to hear the answer.
Northridge, CA Earthquake Damage
Collection of USGS still images taken after the January 17, 1994 Northridge earthquake highlighting the damage to buildings and infrastructure.
Collection of USGS still images taken after the January 17, 1994 Northridge earthquake highlighting the damage to buildings and infrastructure.
Related
What is a seismic zone, or seismic hazard zone? What is a seismic zone, or seismic hazard zone?
Although you may hear the terms “seismic zone” and “seismic hazard zone” used interchangeably, they really describe two slightly different things. A seismic zone is used to describe an area where earthquakes tend to focus; for example, the New Madrid Seismic Zone in the Central United States. A seismic hazard zone describes an area with a particular level of hazard due to earthquakes. Typically, a...
What is seismic hazard? What is a seismic hazard map and how are they used? What is seismic hazard? What is a seismic hazard map and how are they used?
Seismic hazard is the hazard associated with potential earthquakes in a particular area, and a seismic hazard map shows the relative hazards in different areas. The maps are made by considering what we currently know about: Past faults and earthquakes The behavior of seismic waves as they travel through different parts of the U.S. crust The near-surface site conditions at specific locations of...
What are the earthquake hazards/risks where I live? What are the earthquake hazards/risks where I live?
Determining your risk with regard to earthquakes, or more precisely shaking from earthquakes, isn't as simple as finding the nearest fault. The chances of experiencing shaking from an earthquake and/or having property damage is dependent on many different factors. The National Hazard Maps use all available data to estimate the chances of shaking (of different strengths and frequencies) across the...
How will my house hold up in an earthquake? Can the USGS send someone out to evaluate my property? How will my house hold up in an earthquake? Can the USGS send someone out to evaluate my property?
Published maps will only provide generalized, uninterpreted information about specific areas. Every property consists of a unique combination of geologic and structural factors that must be considered to determine what might happen to a house during an earthquake. Therefore, an individual site study is necessary. Geologic factors include: type of underlying material, depth to bedrock, depth of...
How do earthquakes affect buildings? How do earthquakes affect buildings?
Ground shaking is the primary cause of earthquake damage to man-made structures. Many factors influence the strength of earthquake shaking at a site including the earthquake's magnitude, the site's proximity to the fault, the local geology, and the soil type. More than 250 structures throughout the United States have been outfitted with seismic sensors by the USGS National Strong Motion Project...
What is the likelihood of a large earthquake at location X? Is it safe to go to X since they've been having a lot of earthquakes lately? What is the likelihood of a large earthquake at location X? Is it safe to go to X since they've been having a lot of earthquakes lately?
The National Seismic Hazards Mapping project provides an online Web tool for determining the probability of a large earthquake within 50 kilometers (~31 miles) of a specific location in the United States over a certain time period. The calculation is based on the latest available information from seismic hazard data. However, asking if it's safe to travel somewhere because of recent earthquakes is...
House Damage from 2011 Oklahoma Earthquake
House damage in central Oklahoma from the magnitude 5.6 earthquake on Nov. 6, 2011. Research conducted by USGS geophysicist Elizabeth Cochran and her university-based colleagues suggests that this earthquake was induced by injection into deep disposal wells in the Wilzetta North field.
House damage in central Oklahoma from the magnitude 5.6 earthquake on Nov. 6, 2011. Research conducted by USGS geophysicist Elizabeth Cochran and her university-based colleagues suggests that this earthquake was induced by injection into deep disposal wells in the Wilzetta North field.
How do I decide whether or not to get earthquake insurance?
How do I decide whether or not to get earthquake insurance?Listen to hear the answer.
Northridge, CA Earthquake Damage
Collection of USGS still images taken after the January 17, 1994 Northridge earthquake highlighting the damage to buildings and infrastructure.
Collection of USGS still images taken after the January 17, 1994 Northridge earthquake highlighting the damage to buildings and infrastructure.
Updated Date: August 6, 2025