Earthquakes Risk in Colorado — Level 2 of 5

Colorado experiences relatively few earthquakes compared to western states like California, but the risk is present, especially in the western mountains and eastern plains. The state is classified as having a moderate (level 2 of 5) earthquake risk. While most quakes are small, homeowners can take simple steps to reduce damage and stay safe.

Earthquake Characteristics in Colorado

Colorado is not located near the boundaries of major tectonic plates, so the state does not experience the frequent, large earthquakes seen in California or Alaska. However, it does sit within the Basin and Range Province and other fault systems that produce occasional seismic activity. According to the USGS Earthquake Hazards Program, scientists record several small earthquakes each year across the state, most of which are too weak to be felt.

Areas with the greatest exposure include the southern front ranges, the Sangre de Cristo Mountains, and the northeastern Colorado region. There have also been earthquakes triggered by human activities such as oil and gas operations and reservoir-induced seismicity. The National Risk Index scores Colorado as a level 2 of 5 for earthquake risk, meaning a moderate hazard level that is higher than the lowest risk states but far lower than the highest-risk states in the western U.S.

How Earthquakes Affect Homes

Even moderate earthquakes can cause shaking that is strong enough to crack foundations, displace brick chimneys, and shift heavy appliances. In Colorado, where winter temperatures cause significant snow loads, roof damage can also occur if the earthquake weakens structural supports. Homes built before modern seismic codes are especially vulnerable, particularly those with an unreinforced masonry foundation or a brick exterior.

Standard homeowners insurance policies in Colorado typically do not include earthquake coverage. To be protected, homeowners would need to purchase a separate earthquake insurance policy or add an endorsement to their existing policy. This type of coverage can help pay for repairs to the home and personal property, as well as additional living expenses if the home becomes uninhabitable. The FEMA Earthquake Safety page advises homeowners to review their insurance coverage and understand the deductibles, which are generally high and often based on a percentage of the home's value.

How to Prepare Your Home

Preparing your home for an earthquake can greatly reduce the risk of injury and damage. The Ready.gov earthquake preparedness page recommends some straightforward steps that every homeowner can take:

Secure water heaters, refrigerators, and other large appliances to wall studs with flexible straps or metal brackets.
Anchor heavy furniture, such as bookcases and wardrobes, to the wall using anti-tip brackets.
Install latches on kitchen cabinets and drawers to prevent them from opening and throwing items during shaking.
Use flexible connections (e.g., braided stainless steel) for gas and water lines so they can absorb movement without rupturing.
Check the foundation for cracks or signs of settlemere and have a professional evaluate and repair any issues.
Reinforce brick chimneys and masonry veneers that are especially vulnerable to separating from the home.
Keep an earthquake kit with food, water, a flashlight, and a first-aid kit in a designated, easily accessible place.

Frequently Asked Questions

Are earthquakes common in Colorado?

Earthquakes are relatively uncommon in Colorado compared with California or Nevada, but they do occur. The USGS Earthquake Hazards Program records hundreds of small tremors each year, most of which are too small to be felt. Strong, damaging earthquakes are rare but possible, meaning the state has a moderate risk.

Does homeowners insurance cover earthquake damage?

No, standard homeowners insurance policies do not cover earthquake damage. Homeowners need to purchase a separate earthquake insurance policy or add an endorsement from their insurance provider. The FEMA earthquake page explains that this coverage can be expensive yet valuable for properties at higher risk.

What should I do during an earthquake if I'm at home?

The most important safety actions are to drop, cover, and hold on. Drop to your hands and knees, cover your head and neck with your arms or an item of furniture, and hold on until shaking stops. Stay away from windows, and do not try to run outside if you are inside. After the shaking stops, check your home for structural damage and look for gas leaks or other hazards. For more details, visit Ready.gov/earthquakes.

Official Resources

Last updated: August 11, 2026. Risk levels are state-wide estimates based on public hazard data — always verify your specific address with the official sources above.