Earthquake Insurance

  • Earthquake insurance rates can vary significantly. In areas where earthquakes are likely to occur, the cost of this insurance is relatively high.  In areas where earthquakes are not likely to occur, the cost of insurance is relatively low.
  • There is no way to predict exactly when or where an earthquake will occur. Seismologists predict that numerous minor to moderate earthquakes will be felt in the United States in the next year or two, and that a major earthquake will occur within the next 25 years.
  • It is estimated that a major earthquake in a populated area of the United States could cause as much as $200 billion in losses.


National Seismic Hazards Map – Provided by the U.S. Geological Survey (data from 2014*)
Do You Need Earthquake Insurance?

Here are some questions to ask yourself when considering coverage:

  • Is my home covered if an earthquake does occur?
  • Can I afford the cost of rebuilding or repairing my home if damaged as the result of an earthquake?
  • What would it cost to replace my personal belongings damaged as a result of an earthquake?
  • How would I pay for temporary housing if an earthquake causes structural damage to my home or makes it uninhabitable?

At MirState Insurance we will help you find the peace of mind if you need earthquake coverage.

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