Earthquake Insurance Calculator

This calculator helps you estimate earthquake insurance costs based on your property value, building construction type, seismic risk zone, and deductible. The calculations follow industry-standard seismic risk models.

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Enter Property Information

Premium by Seismic Zone

Sample Calculations

Example 1: High-Risk Zone - Wood Frame
Property Value: $500,000, Coverage: $400,000, Zone: High (Zone 4), Building: Wood Frame, Deductible: 10%, Retrofitted: Partial
Estimated Annual Premium: $2,000 - $2,800
Example 2: Moderate Risk - Concrete Building
Property Value: $300,000, Coverage: $250,000, Zone: Moderate (Zone 2), Building: Concrete, Deductible: 15%, Retrofitted: Full
Estimated Annual Premium: $500 - $800
Example 3: Mobile Home in High Risk
Property Value: $150,000, Coverage: $100,000, Zone: High (Zone 4), Building: Mobile Home, Deductible: 5%, Retrofitted: No
Estimated Annual Premium: $1,200 - $1,800

Calculation Methodology & Sources

Data Source: USGS, CEA, State Insurance Departments
Last Updated: January 2026
Reference: View Sources

The earthquake insurance premium calculation uses a seismic risk model:

  • Base rate: 0.15% - 0.40% of coverage amount
  • Zone multiplier: High (3.0x), Moderate-High (2.0x), Moderate (1.3x), Low (1.0x)
  • Building type multiplier: Wood (1.0x), Steel (0.9x), Concrete (1.2x), Masonry (1.5x), Mobile (2.0x)
  • Deductible discount: 5% (0%), 10% (-10%), 15% (-20%), 20% (-30%)
  • Retrofit discount: None (0%), Partial (-10%), Full (-25%)
  • United States Geological Survey (USGS) - Seismic hazard maps
  • California Earthquake Authority (CEA) - Rate tables and guidelines
  • National Association of Insurance Commissioners (NAIC) - Earthquake insurance data
  • Insurance Information Institute (III) - Earthquake insurance resources

    • Frequently Asked Questions

    Earthquake insurance is not typically required by law, but some mortgage lenders in high-risk areas may require it. It's highly recommended for homes in seismic zones.
    No, standard homeowners insurance does not cover earthquake damage. You need a separate earthquake policy or an endorsement to your homeowners policy.
    Earthquake insurance covers damage to your home's structure, personal property, and additional living expenses if your home is uninhabitable. It may also cover fire damage resulting from an earthquake.
    Retrofitting involves strengthening your home to withstand seismic activity. Common retrofits include bolting the foundation, adding shear walls, and securing water heaters. Many insurers offer discounts for retrofitted homes.