--- title: Do I Need Earthquake Insurance? description: If you live in a high risk area for an earthquake, an earthquake insurance policy is something you should highly consider. image: https://blog.emford.com/hubfs/3-Oct-21-2021-06-58-19-82-PM.png --- - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) [![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/) * ** * - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/) - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/) - [Our BIGN Partnership](https://emford.com/about-our-agency/our-bign-partnership/) - [Personal Insurance](https://emford.com/personal-insurance/) - [Home Insurance](https://emford.com/personal-insurance/home-insurance/) - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/) - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/) - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/) - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/) - [More Personal Insurance](https://emford.com/personal-insurance/) - [Business Insurance](https://emford.com/business-insurance/) - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/) - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/) - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/) - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/) - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/) - [More Business Insurance](https://emford.com/business-insurance/) - [Employee Benefits](https://emford.com/employee-benefits/) - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/) - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/) - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/) - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/) - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [More Employee Benefits](https://emford.com/employee-benefits/) - [Financial Planning](https://emford.com/financial-planning/) - [Request A Quote](https://emford.com/insurance-quote/) - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/) - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/) - [Our BIGN Partnership](https://emford.com/about-our-agency/our-bign-partnership/) - [Personal Insurance](https://emford.com/personal-insurance/) - [Home Insurance](https://emford.com/personal-insurance/home-insurance/) - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/) - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/) - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/) - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/) - [More Personal Insurance](https://emford.com/personal-insurance/) - [Business Insurance](https://emford.com/business-insurance/) - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/) - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/) - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/) - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/) - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/) - [More Business Insurance](https://emford.com/business-insurance/) - [Employee Benefits](https://emford.com/employee-benefits/) - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/) - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/) - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/) - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/) - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [More Employee Benefits](https://emford.com/employee-benefits/) - [Financial Planning](https://emford.com/financial-planning/) - [Request A Quote](https://emford.com/insurance-quote/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) ##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) 600 Frederica Street Owensboro, KY 42301 - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) [Insurance](https://blog.emford.com/tag/insurance) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) # Do I Need Earthquake Insurance? By [ EM Ford ](https://blog.emford.com/author/em-ford) October 21, 2021 [ No Comments](https://blog.emford.com/do-i-need-earthquake-insurance#comments-listing) The third Thursday of each October is [International ShakeOut Day](https://www.shakeout.org), a day that raises awareness for earthquake preparedness and the largest earthquake drill in the world. Although earthquakes don’t seem very likely in our area, Kentucky is one of the 16 states that have the highest risk for earthquakes, according to the USGS. And while earthquakes with a higher magnitude seem even more unlikely, the worst recorded earthquake in Kentucky’s history happened only 40 years ago in 1980 in Bath County with a 5.2 magnitude. Sitting on the New Madrid Seismic Zone, the most active seismic zone in the central and eastern US, Kentuckians should always be prepared for the chance of an earthquake. International ShakeOut Day is a great day to practice earthquake drills as well as an earthquake game plan to ensure you are ready in the event of another earthquake in Kentucky – should you be considering earthquake insurance? The short answer – yes, absolutely. Think of it like this: if you live in a flood zone, you’d buy flood insurance, and the same goes for earthquakes. If you live in a higher risk area for earthquakes, you should highly consider an earthquake insurance policy. Damage caused by an earthquake is not covered under a homeowner’s or renter’s policy, unless you request earthquake coverage to be added. In order to protect your home from damaged caused by an earthquake will require a separate endorsement (Or policy) that provides dwelling, personal property and loss of use. Learn more about earthquake preparedness [here](https://plmr.com/wp-content/uploads/2021/02/Palomar-Earthquake-Safety-Checklist.pdf?utm_medium=email&_hsmi=173045802&_hsenc=p2ANqtz-9jqY3J9qRPRGBHLd0KKSgI-YUN-yo1DgOyv5ORDnN2NAODZyR6NOX50ZxKfDkQkzC6LXdckN6ezmPXElci8TTPDbL7Xg&utm_content=173045802&utm_source=hs_email). Want to learn more about your earthquake insurance options? Click the button below! [![Contact Us](https://no-cache.hubspot.com/cta/default/4418822/c89edb1f-2ce2-4406-8986-61affcfbb8e9.png)](https://cta-redirect.hubspot.com/cta/redirect/4418822/c89edb1f-2ce2-4406-8986-61affcfbb8e9) # [Avoiding Water Damage Losses](https://blog.emford.com/avoiding-water-damage-losses) [ EM Ford ](https://blog.emford.com/author/em-ford) | [Personal Insurance](https://blog.emford.com/tag/personal-insurance) | [ No Comments](https://blog.emford.com/avoiding-water-damage-losses#comments-listing) When it comes to water damage losses, no season is safe as they can happen at any time. Each home comes with potential for water damage losses from pipes bursting to faulty construction and plumbing... # [Understanding Credit](https://blog.emford.com/understanding-credit) [ Ryan McDaniel ](https://blog.emford.com/author/ryan-mcdaniel) | [Insurance](https://blog.emford.com/tag/insurance), [Financial Planning](https://blog.emford.com/tag/financial-planning) | [ No Comments](https://blog.emford.com/understanding-credit#comments-listing) It’s difficult to imagine functioning in today’s world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives. Having easy access to... # [5 Ways To Save For Your Next Vacation](https://blog.emford.com/5-ways-to-save-for-your-next-vacation) [ John Gleason ](https://blog.emford.com/author/john-gleason) [ No Comments](https://blog.emford.com/5-ways-to-save-for-your-next-vacation#comments-listing) For many of us, last week was fall break. And many are already dreaming about their next vacation. October is Financial Planning Month, and I want to help you financially plan for your next vacation... # [Four Chart Friday With Ryan McDaniel](https://blog.emford.com/four-chart-friday-with-ryan-mcdaniel) [ Ryan McDaniel ](https://blog.emford.com/author/ryan-mcdaniel) | [Financial Planning](https://blog.emford.com/tag/financial-planning) | [ No Comments](https://blog.emford.com/four-chart-friday-with-ryan-mcdaniel#comments-listing) If you’ve talked anything market related with me, you no doubt know I love charts. I think you can learn so much and increase your understanding from them. Here are four charts I’ve been looking at... #### Recent Articles - [Avoiding Water Damage Losses](https://blog.emford.com/avoiding-water-damage-losses) - [Understanding Credit](https://blog.emford.com/understanding-credit) - [5 Ways To Save For Your Next Vacation](https://blog.emford.com/5-ways-to-save-for-your-next-vacation) ### Subscribe here #### About EM Ford EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. [Privacy Policy](https://emford.com/privacy-policy/) | [Website Accessibility](https://emford.com/contact/) #### Personal Insurance - [Home Insurance](https://emford.com/personal-insurance/home-insurance/) - [Auto Insurance](https://emford.com/personal-insurance/auto-insurance/) - [Individual Life Insurance](https://emford.com/personal-insurance/individual-life-insurance/) - [Motorcycle Insurance](https://emford.com/personal-insurance/motorcycle-insurance/) - [Condo Insurance](https://emford.com/personal-insurance/condo-insurance/) - [*See All*](https://emford.com/personal-insurance/) #### Business Insurance - [Business Owners Insurance](https://emford.com/business-insurance/business-owners-insurance/) - [eCommerce Insurance](https://emford.com/business-insurance/ecommerce-insurance/) - [School Insurance](https://emford.com/business-insurance/specialized-business-insurance/school-insurance/) - [Trucking Insurance](https://emford.com/business-insurance/specialized-business-insurance/trucking-insurance/) - [Manufacturer Insurance](https://emford.com/business-insurance/specialized-business-insurance/manufacturer-insurance/) - [*See All*](https://emford.com/business-insurance/) #### Employee Benefits - [Group Health Insurance](https://emford.com/employee-benefits/group-health-insurance/) - [Group Dental Insurance](https://emford.com/employee-benefits/group-dental-insurance/) - [Group Vision Insurance](https://emford.com/employee-benefits/group-vision-insurance/) - [Group Voluntary Benefits](https://emford.com/employee-benefits/group-voluntary-benefits/) - [Disability Insurance](https://emford.com/employee-benefits/disability-insurance/) - [*See All*](https://emford.com/employee-benefits/) © 2026 EM Ford. All rights reserved.