Earthquake Insurance Cost Calculator
Earthquake insurance is excluded from standard homeowners policies in California and high-risk states. CEA (California Earthquake Authority) policies start at $1,500/yr for $400K coverage with 15% deductible. This tool estimates premium based on California Geological Survey zone, structure age, and deductible.
Why Earthquake Is Excluded From Standard Policies
Earthquake risk is geographically concentrated and catastrophic — insurers cannot diversify within California. Standard homeowners excludes earth movement. California's CEA was created in 1996 by the state to provide a private-market alternative after the 1994 Northridge earthquake bankrupted multiple insurers.
CEA Deductible Mechanics
CEA deductibles are 5-25% of dwelling coverage (not per-claim — total per event). A 15% deductible on $500K coverage means the first $75K of damage is out-of-pocket. Most homes in a major event sustain $50K-$150K damage — close to or below typical deductible.
Risk Reduction Beats Insurance For Most
Three highest-ROI actions: brace water heater ($30 strapping kit prevents the #1 cause of post-earthquake fires), bolt house to foundation ($3,000-$5,000 retrofit, often grant-funded), and anchor bookshelves and TVs. CEA offers premium discounts for documented retrofits.
Source: California Earthquake Authority (CEA) rate filings; California Geological Survey seismic zones. Last updated: May 2026.