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Should You Have Earthquake Insurance

We don’t often think of earthquakes in Illinois, but they do happen. Not only is the famous New Madrid Fault close to southern Illinois, but there is a Wabash Fault that runs along the Wabash river valley. The New Madrid fault hasn’t produced a major earthquake since 1812, but every now and then someone predicts one. Is this something to worry about?


RFD asked Tim Larson with the State Geological Survey if earthquake insurance is a good idea in Illinois. He says it depends on where you live.



Homeowners insurance typically does not cover earthquakes, but a rider can easily be added to your policy at fairly low cost. 

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