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Like many Californians, the Gonzalez family protects their future with earthquake insurance. Watch our policyholder stories to find out more.
Protect your Home & Future WITH CEA
Explore earthquake risk in your area and learn how to prepare and protect your home.
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Earthquake Risk
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Prepare
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About CEA
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Protect
California Earthquakes Can Happen All the Time
- Every day is earthquake season in California, with active faults crisscrossing the state.
- According to the USGS, the San Andreas fault is over 800 miles long, with an intricate fault network and many smaller faults that branch from and join it.
- Northern California has the Hayward and Calaveras faults near the Bay Area, plus the Cascadia Subduction Zone farther north.
- Southern California has the Rose Canyon fault, San Jacinto, and Elsinore faults, plus other smaller active faults in the region.
- According to the City of Los Angeles and the University of California San Diego, many major earthquakes—such as Northridge in 1994 and Ridgecrest in 2019—occurred on faults that were unknown at the time.
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Learn more about known faults in your area by using the United States Geologic Survey (USGS)’s interactive fault map.
California is home to two-thirds of our nation’s earthquake risk
We all know that California is earthquake country. Are you prepared to recover?
Be Prepared for an Earthquake
Earthquakes are unpredictable, but you can prepare yourself and your family now, before the next one hits. Practice earthquake safety with your family and make an earthquake preparedness plan today.
Personal Preparedness
There are easy steps you can take now to be earthquake ready:
- Create an earthquake safety plan for you and loved ones, including pets.
- Identify safe places in each room of your home.
- Make or purchase earthquake safety kits.
- Practice Drop, Cover, and Hold On with each member of your household.
Earthquake safety involves being prepared and knowing what to do. Practicing earthquake safety at home and creating a disaster safety kit before the next earthquake is crucial to your family’s safety.
About California Earthquake Authority (CEA)
CEA’s not-for-profit mission makes California residential earthquake insurance affordable and flexible. We help homeowners, mobilehome owners, condo-unit owners, and renters before and after the big one strikes.
We educate, mitigate, and insure:
- Learn about earthquake risk.
- Increase your personal safety.
- Prepare your home before a damaging earthquake strikes.
- Find out how CEA earthquake home insurance policies can help with recovery when the big one hits.
- Get an estimate now.
After the 6.7 magnitude 1994 Northridge earthquake—which damaged or destroyed thousands of homes—CEA was created by the California Legislature in 1996 to offer earthquake insurance coverage in California.
Our affordable and flexible policies—based on the best available science—have expanded over two decades. We work with participating residential insurance companies to offer California homeowners, mobilehome owners, condo-unit owners, and renters home insurance policies.
Earthquake safety involves being prepared and knowing what to do. Practicing earthquake safety at home and creating a disaster safety kit before the next earthquake is crucial to your family’s safety.
Protect Your House Against Earthquake Damage
When an earthquake strikes, it shakes the ground and can cause damage to houses and other structures.
Learn about the potential hazards for you and your home and what you can do to prepare:
- Protect the inside of your home, including securing your water heater according to state law.
- Know your geologic hazards, such as ground shaking and liquefaction, that could damage your property.
- Understand your home type to know its potential structural risks, and how to prevent damage.
Strengthen Your House with a Seismic Retrofit
Earthquake shaking can cause houses to slide or topple off their foundation, especially older homes that were built before modern building codes were in place. A seismic retrofit involves strengthening your house to make it more resistant to earthquakes.
- CEA has grants that can help fund a seismic retrofit.
- CEA policyholders who have completed a seismic retrofit are eligible for a discount on their premium.
- For people who already have a house retrofit and need it verified, CEA has a list of Inspection Professionals for you to hire to inspect your home.
No area of California is without earthquake risk, but there are many ways to prepare your house to lower its risk of structural damage from an earthquake.
Premium Discount For Older Houses That Have Been Retrofitted
Certain types of homes are more vulnerable to earthquake damage because of how they were built. But, there are ways to strengthen your home to make it more resilient against earthquake shaking. CEA policyholders may qualify for an earthquake insurance premium discount of up to 25% for older houses (or 21% for mobilehomes) that have been retrofitted to better withstand earthquakes. Answering some simple questions about how your home was built will help you decide if a retrofit is right for you. There may even be grants available to help you pay for it.
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- Sunday, December 22, 2024
11:04 AM - Location
- 37.704°N 122.107°W
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- 5.01 km(3.11 mi)
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- Sunday, December 22, 2024
11:03 AM - Location
- 35.772°N 118.012°W
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- 2.69 km(1.67 mi)
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- Sunday, December 22, 2024
7:21 AM - Location
- 36.604°N 121.241°W
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- 6.44 km(4 mi)
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- Sunday, December 22, 2024
7:03 AM - Location
- 38.782°N 122.767°W
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- 2.56 km(1.59 mi)
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- Saturday, December 21, 2024
10:12 PM - Location
- 36.616°N 121.235°W
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- 6.75 km(4.19 mi)
We insure 1,009,354 California households
October 31, 2024