Do NOT Buy Seattle Earthquake Insurance Until You Read This….

At we believe mitigating your risk of an earthquake should be quick and easy. Whether you own a home, condo, or rent we represent the leading earthquake insurance companies offering earthquake insurance in Seattle. To get more information about your options:

Just give us a call at 1-888-999-2598


Fill out our Seattle Earthquake Insurance Quote Form

Earthquake Risk in Seattle

earthquakes in seattle

Notable Earthquakes in WA Since 1969

In the Seattle area over 70% of homeowners, renters, and condo owners do not have earthquake insurance. This leaves a majority of the people living in the Seattle region vulnerable to the severe damages of an earthquake. According to the Pacific Northwest Seismic Network (PNSN) there are earthquakes occurring in Washington almost daily, most however, are less than 2.0 magnitude on the Richter Scale and are felt only by those individuals living close to the epicenter. This does not mean Seattle will never experience large, devastating earthquakes. In fact, the Pacific Northwest Seismic Network map below shows notable earthquakes since 1969 to present, with size proportional to magnitude and color indicating depth. Since 1969, PNSN have tracked 279 notable earthquakes ranging from 1.7 to 6.8 magnitude.

The United States Geological Survey (USGS) list the following historic earthquakes occurring in the Puget Sound region:

  • January 26, 1700 – Cascadia Subduction Zone – Magnitude 9.0
  • December 15, 1872 – Lake Chelan, Washington – Magnitude 6.8
  • April 13, 1949 – Puget Sound, Washington – Magnitude 7.1 (Fatalities 8)
  • April 29, 1965 – Puget sound, Washington – Magnitude 6.5 (Fatalities 7)
  • May 18, 1980 – Mount St. Helens, Washington – Magnitude 5.0
  • February 28, 2001 – Nisqually, Washington – Magnitude 6.8
  • June 16, 2002 – Kitsap Peninsula, Washington – Magnitude 3.7
  • September 21, 2002 – Friday Harbor, Washington – Magnitude 4.1
  • May 30, 2003 – Port Orchard, Washington – Magnitude 3.7
  • June 20, 2003 – Carnation, Washington – Magnitude 3.6
  • January 30, 2009 – Seattle-Tacoma Urban Area – Magnitude 4.5

There are two disturbing facts about the list of earthquakes in the Seattle area. First, there has been a 9.0 magnitude earthquake in the area, and second, the frequency of earthquakes has increased since 2001. Many earthquake scientists are concerned the Seattle area may be due another massive earthquake dubbed by the media as “The Big One”.

“The Big One” — 9.0+ Cascadia Subduction Zone Earthquake

“The Big One” refers to the Cascadia subduction zone earthquake that results in a 9.0+ magnitude earthquake about every 300 – 500 years.  The report estimates when “The Big One” hits there will be 10,000 fatalities, 30,000 injuries, and about $70 billion in damage to property and economic costs.  Seismologist give the probability of a 9.0 earthquake happening in the Seattle area in the next 50 years around 10%.

Earthquake Fault Zones in Washington

Of the twenty major fault zones in Washington, eleven could have damaging effects to the Seattle area. According to the Washington State Seismic Hazards Catalog, the most devastating earthquake faults would be the Seattle Fault, Cascadia Fault, Southern Whidbey Island, Seatac Fault, and Nisqually Fault.

Seattle Earthquake Faults 2

Seattle Earthquake Faults

What Does Earthquake Insurance Cover in Seattle?

Earthquake insurance covers the catastrophic loss sustained by an earthquake. The earthquake insurance company will insure a your home for the amount necessary to rebuild the property.  The earthquake policy includes a deductible ranging from 10% to 25%.

For example, a policy with a coverage amount of $500,000 and a 10% deductible means the policyholder is responsible for the first $50,000 in damage and the insurance company is responsible for the remaining $450,000.  Even though the earthquake deductible is higher than the typical $1,000 deductible on your home insurance, if your home was destroyed by an earthquake, it would be better to have 90% of the cost to rebuild your home paid for by the insurance company than to pay 100% to rebuild your home plus the mortgage amount you still may owe on the destroyed home.

Earthquake Coverages:

Dwelling – The total cost to rebuild your home.

Personal Property – Includes the total value of all portable property you own.

Other Structures – Detached garages and other detached structures including Barbecues, satellite dishes, greenhouses, and tool sheds.

Loss of Use – Covers additional living expenses up to 12 months.

In Seattle How Much Does Earthquake Insurance Cost?

The rate you pay for earthquake insurance is determined by the amount of coverage requested and the risk to insure the structure including location to fault lines and liquefaction areas, age of home, and type of structure. The cost of earthquake insurance can range from 20% – 100% of your current homeowners insurance.

Stand Alone Earthquake Insurance Versus Homeowners Policy Endorsement

Earthquake insurance is available either as an endorsement to your homeowner’s policy, or as a standalone earthquake policy. Getting endorsement on your homeowner’s policy has been more difficult recently as many insurance companies have dropped their earthquake coverage.  Don’t worry, we still can help you obtain earthquake insurance with some of the top insurance companies in the United States.  Please fill out the earthquake insurance quote form to evaluate your options.

How Do I Get a Seattle Earthquake Insurance Quote

At we believe mitigating your risk of an earthquake should be quick and easy. That is why we represent the leading earthquake insurance providers in Seattle, so you only need to shop once and get all your options. There are two ways to get an earthquake insurance quote for your Seattle home:

Just give us a call at 1-888-999-2598


Fill out our Seattle Earthquake Insurance Quote Form