Skip to content
  • 1 (800) 324-6020
Get a Quote
Quake Insurance by GeoVera
  • 1 (800) 324-6020
  • Products
    • California
    • Washington
    • Oregon
  • Blog
  • About Us
  • Contact Us
  • Products
    • California
    • Washington
    • Oregon
  • Blog
  • About Us
  • Contact Us
< Back to blogs

What does FEMA do for Earthquakes?

Earthquake Insurance | Get Prepared
What does FEMA do for Earthquakes?

When natural disasters strike, the Federal Emergency Management Agency (FEMA) Opens a new window is crucial in providing relief and support to affected communities. Earthquakes, one of nature’s most devastating forces, can cause significant damage to homes and properties. While FEMA offers assistance for various disasters, including hurricanes and floods, its coverage for earthquake damage is limited. 

Does FEMA pay for earthquake damage?

FEMA primarily provides disaster assistance for hurricanes, floods, and other major disasters. However, its coverage for earthquake damage is limited. Standard homeowners’ insurance policies also typically exclude coverage for earthquake-related damages.

FEMA does not generally offer financial assistance for earthquake damage to individuals. Instead, earthquake recovery largely relies on personal resources, insurance coverage, and state-specific disaster relief programs. As such, homeowners and renters in earthquake-prone regions should seriously consider earthquake insurance to protect their properties and belongings from potential devastation.

How does FEMA work?

FEMA is a federal agency under the U.S. Department of Homeland Security Opens a new window. Its primary mission is to support citizens and first responders in preparing for, responding to, and recovering from natural and man-made disasters. When a disaster occurs, FEMA collaborates with state and local authorities to assess the situation and provide the necessary assistance.

FEMA primarily focuses on coordinating and mobilizing resources to support local emergency responders for earthquakes. It helps facilitate communication and the distribution of supplies and resources to affected areas. Additionally, FEMA offers guidance on emergency preparedness and safety measures to minimize the impact of earthquakes.

Who qualifies for FEMA relief when it comes to earthquakes?

FEMA relief eligibility is primarily based on the severity of the disaster and the level of damage it causes. After a major disaster declaration by the President of the United States, FEMA assistance becomes available to affected individuals and communities.

To qualify for FEMA disaster assistance Opens a new window, individuals must reside in a federally declared disaster area and demonstrate that their primary residence has sustained significant damage not adequately covered by insurance. It’s important to note that FEMA assistance is not intended to replace insurance coverage but to provide supplemental support for uncovered or underinsured losses.

FEMA Grants for Individuals

FEMA offers various grants to assist individuals and households affected by disasters Opens a new window. While FEMA does not typically provide direct financial assistance for earthquake damage, it may offer grants to help homeowners or renters elevate their homes to reduce future earthquake risks. These grants are designed to mitigate the impact of potential future disasters and enhance the community’s resilience.

Additionally, individuals and households affected by other types of disasters can apply for FEMA Individual Assistance (IA) grants. These grants may help cover temporary housing, home repairs, and other disaster-related expenses not covered by insurance.

Supplementing FEMA assistance with earthquake insurance

Given FEMA’s limited assistance for earthquake damage, homeowners and renters in earthquake-prone areas need to consider earthquake insurance. Quake Insurance by Geovera offers comprehensive policies that provide financial protection against earthquake-related damages to your property and belongings.

While FEMA is crucial in providing disaster relief and assistance, its coverage for earthquake damage is limited. Homeowners and renters in earthquake-prone regions should seriously consider the most affordable earthquake insurance from Quake Insurance by Geovera. Earthquake insurance offers a comprehensive range tailored to protect your property and belongings during an earthquake, providing peace of mind and financial security during uncertain times. By preparing with FEMA resources and earthquake insurance, you can enhance your resilience and readiness to face the challenges of seismic events.

Want to get a fast and easy quote for your property? See the best options for earthquake insurance for your property in less than a minute.

Share this

Have you protected your home with earthquake insurance?
Get a Quote

Recent Blogs

Loading...
California park with homes in the background.

What is the Best Deductible for Earthquake Insurance?

California Life | Earthquake Insurance
Behind every effective earthquake insurance policy lies a critical choice: the deductible. This seemingly small...
Read More
California coastline with homes

Is Earthquake Insurance Worth It in California?

Earthquake Insurance
Earthquakes are a reality for Californians. Living in a state crisscrossed by fault lines means...
Read More
7.0-eq-humboldt,ca

7.0 Magnitude Earthquake Strikes Humboldt County, CA

Earthquake History | Earthquake Insurance | Get Prepared | News
Humboldt County homeowners are rattled after a magnitude-7.0 earthquake.On Thursday, Humboldt, California, experienced a magnitude-7.0...
Read More
View All
AM Best
Rated “A” (Excellent) by A.M. Best Company

As the only A rated company to offer stand-alone earthquake insurance online direct to homeowners, QuakeInsurance by GeoVera is known for providing remarkable digital experiences in the insurance industry.

Quakeinsurance by GeoVera
Facebook-f Linkedin-in Instagram

Contact Us

4605 Business Center Drive
Suite 300
Fairfield, CA 94534

1 (800) 324-6020
GeoVera Advantage

CA License: 0I01644
OR License: 100171126
WA License: 800438

Explore

  • California
  • Washington
  • Oregon
  • About Us
  • Blog
Geovera

Sign up for our mailing list

© Copyright 2025. All Rights Reserved.  |  Privacy Policy    |   Legal Notices

Get a Quote
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept”, you consent to the use of ALL the cookies. However you may visit Cookie Settings to provide a controlled consent.
Cookie settingsACCEPTREJECT
Manage consent
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
cookielawinfo-checkbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
Save & Accept