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Earthquake Preparedness & Insurance | California Earthquake Authority (CEA)CEA, California residential earthquake insurance, California earthquake authority, earthquake authorityCalifornia Earthquake Authority -protecting Californians from earthquake risks. Learn about earthquake preparedness and insurance from the CEA, a not-for-profit organization offering earthquake insurance to California residents. Get tips on how to prepare for an earthquake and the benefits of having earthquake insurance.Earthquake Preparedness & Insurance | California Earthquake Authority (CEA) Skip to main content Insurance Professionals Press Room Search Contact Get an Estimate Earthquake Risk Personal Preparedness 2020 MMD English Seven Steps to Earthquake Safety Insurance Policies Homeowners Homeowners Coverages & Deductibles Condominium Condo Coverages & Deductibles Mobilehomes & Manufactured Homes Mobilehomes & Manufactured Homes Coverages & Deductibles Renters Renters Coverages & Deductibles Premium Discounts Your House's Characteristics Inspection Professionals Search Dwelling Retrofit Verification Form Dwelling Retrofit Verification Form Instructions How to Buy Participating Residential Insurers Manage Your Policy Premium Calculator Browser Compatibility Other Earthquake Insurance Providers Prepare Your House Structural Risks Stem Wall House Cripple Wall House Post & Pier House Living Space Over Garage Hillside House Mobilehomes & Manufactured Homes Plan Set A Standard Plan Set 1 Earthquake Retrofit Grants CEA Policyholder Brace + Bolt Grants About CEA BB CEA B+B Homeowner Retrofit Guide The Retrofit Before & After Photos Steps to a CEA BB Retrofit Program Rules Rules for Participation in the CEA Brace + Bolt Program How to Register Register Homeowner Resources Find a Contractor or Design Professional Engineer or Design Pro Search Permit & Building Department Information Do-it-Yourself Tips FEMA Retrofit Education Course Program Glossary Preparedness Resources About CEA Leadership Executive Management Shawna Ackerman Charlotte Fadipe Tom Hanzel Janiele Maffei Zerlinia Moore George Sittner Suman Tatapudy Tom Welsh Strategic Plan CEA Strategic Plan 2017-2019 Governing Board Advisory Panel Public Meetings Upcoming Public Meetings Stakeholder Engagement Meeting Notifications Sign-Up Watch Public Meetings Live Meeting Materials Archive In Your Community Policyholder Stories Community Stories Nuestros Videos en Español CEA Advertising TV Commercials and Ads Archive CEA History Financials Financial Strength Investment Policies Financial Statements ​Annual Legislative Reports Research Efforts & Opportunities Research Projects ​​​ CEA South Napa Study Report (PDF) South Napa Study Executive Summary (PDF) Research Forums & Workshops Research Forum Videos September 18, 2019 News Release - Research Forum Innovation in Earthquake Assessment How Technology is Changing the Industry Agenda 2018 Research Opportunities​ Working at CEA Contracting with CEA Diversity at CEA Insurance Professionals For Agents For Claim Professionals Claim Professionals Resources CEA Policy Coverage Training for Claim Adjusters CEA Residential Earthquake Damage Assessment (REDA) General Guidelines Training CEA Residential Earthquake Damage Assessment (REDA) Engineering Guidelines Training CEA Claim Manual January 2021 CEA Deductible Calculator 2016 (ZIP) CEA PI Claim Liaison Reference Document Inspection Professionals (IP) CEA Earthquake Insurance Dwelling Retrofit Verification Form Inspection Professionals Registration Press Room Media Resources Press Releases Quotable Experts In the News Media Library Earthquakes, Faults and Seismology Search Contact Public Records Requests Terms of Use Privacy & Social Media Policies Logo and Intellectual Property Policy SiteMap Error Meet Your Peace of Mind Providers CEA is one of the world's largest providers of residential earthquake insurance. Since 1996, CEA has been encouraging California homeowners, mobilehome owners, condo-unit owners and renters to reduce their risk of earthquake damage and loss through education, mitigation and insurance. We offer earthquake insurance policies exclusively through participating residential insurance companies. View the List of Our Participating Insurers Translate Translate Our Hearts Are With Our Fellow Californians Affected By The La Area Wildfires If you or anyone you know has been impacted by these fires, the Governor’s Office has established a resource clearinghouse with information on where and how to get assistance. 2025 Los Angeles Fires | CA.gov   CEA has implemented a premium payment grace period of at least 60 days for CEA residential earthquake policyholders impacted by the fires. For more information, contact your insurance agent or home insurance company. And, get more information on how to manage your policy. Contact Your Insurer Get Up To $3,000 To Strengthen Your House Registration for the CRMP Earthquake Brace + Bolt (EBB) grant program is open now!   See if you qualify CEA Public Meetings CEA Public Meetings CEA hosts regularly scheduled public meetings of its Governing Board and Advisory Panel, stakeholder sessions, and other meetings on specific topics. Interested in attending an upcoming public meeting? Visit the meeting page: March 25, 2025 at 1:00 PM Governing Board Meeting June 5, 2025 at 3:00 PM Advisory Panel Meeting We invite you to join any of our scheduled meetings in person, through Zoom, or by livestream, and to sign up for meeting notifications. Learn more about CEA's Public Meetings Notice Our website is currently undergoing maintenance, and some links or features may be temporarily unavailable. We thank you for your patience. Already a CEA policyholder? Get the information you need to manage your policy. Manage Your Policy Policyholder Stories Like many Californians, the Gonzalez family protects their future with earthquake insurance. Watch our policyholder stories to find out more. Watch the video Protect your Home & Future WITH CEA Explore earthquake risk in your area and learn how to prepare and protect your home. Earthquake Risk Prepare About CEA Protect Every Day is Earthquake Season in California®Earthquakes Can Happen at Any 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. 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? Learn About Personal Preparedness 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. Learn About Personal Preparedness 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. Get an Estimate 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. Understand your home type to know its potential structural risks, and how to prevent damage. View earthquake preparedness resources for more ways to learn how to prepare your family and home. 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. Prepare Your House 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. Learn How To Qualify For A Discount Recent California Earthquake Activity M 2.7 10 km NW of Pinnacles, CA Time Tuesday, March 18, 2025 2:27 PM Location 36.588°N 121.227°W Depth 6.1 km(3.79 mi) Details of the Earthquake 10 km NW of Pinnacles, CA M 2.9 5 km WNW of Dublin, CA Time Monday, March 17, 2025 9:46 PM Location 37.709°N 121.987°W Depth 11.14 km(6.92 mi) Details of the Earthquake 5 km WNW of Dublin, CA M 3.9 5 km WNW of Dublin, CA Time Monday, March 17, 2025 7:46 PM Location 37.707°N 121.994°W Depth 10.99 km(6.83 mi) Details of the Earthquake 5 km WNW of Dublin, CA M 2.5 10 km NNE of Lake Pillsbury, CA Time Monday, March 17, 2025 3:31 AM Location 39.495°N 122.951°W Depth 9.35 km(5.81 mi) Details of the Earthquake 10 km NNE of Lake Pillsbury, CA M 2.6 22 km ESE of Anza, CA Time Monday, March 17, 2025 2:17 AM Location 33.497°N 116.448°W Depth 6.88 km(4.28 mi) Details of the Earthquake 22 km ESE of Anza, CA Swipe We insure 998,843 California households January 31, 2025 Insure your home Calculate Your Earthquake Insurance Premium Get an Estimate 400 Capitol Mall, Suite 1200 Sacramento, CA 95814 Phone: (888) 423-2322 Facebook Instagram Linkedin Youtube Contact Us Earthquake Risk Personal Preparedness Seven Steps to Earthquake Safety Insurance Policies Homeowners Condominium Mobilehomes & Manufactured Homes Renters Premium Discounts How to Buy Participating Residential Insurers Manage Your Policy Premium Calculator Other Earthquake Insurance Providers Prepare Your House Structural Risks Earthquake Retrofit Grants Preparedness Resources About CEA Leadership Public Meetings In Your Community CEA History Financials ​Annual Legislative Reports Research Efforts & Opportunities Working at CEA Contracting with CEA Diversity at CEA Insurance Professionals For Agents For Claim Professionals Inspection Professionals (IP) Press Room Media Resources Press Releases Quotable Experts In the News Media Library ©2025 California Earthquake Authority Privacy & Social Media Policies   |   Logo & Intellectual Property Policy   |   Terms of Use   |   Site Mapenen1770636481https://getpreparedcalifornia.org

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