Earthquakes risk in Georgia

Earthquake Risk in Georgia

Georgia is located in a region of generally low to moderate earthquake activity. According to the USGS Earthquake Hazards Program, the state experiences occasional small earthquakes, but damaging quakes are rare. The risk level in Georgia is rated 2 out of 5 by FEMA's National Risk Index, meaning the hazard is relatively low compared to other states.

Most earthquakes in Georgia are linked to ancient fault zones. The Eastern Tennessee Seismic Zone extends into the northwestern corner of the state, producing frequent but minor tremors. Another area of activity runs along the border with South Carolina. No specific season or weather pattern triggers earthquakes; they can happen at any time.

If you live in northern or eastern Georgia, you may feel small shakes more often than residents elsewhere in the state. However, even the strongest recorded earthquakes in the region have caused only light damage. The 1886 Charleston earthquake, which was centered in South Carolina, was felt strongly in Georgia and caused minor cracking and toppled chimneys in some communities.

However, the Georgia Emergency Management and Homeland Security Agency encourages all residents to be prepared for any emergency, including earthquakes. Simple actions today can make a big difference tomorrow.

How it affects homes

Even a mild earthquake can affect your home. Common types of damage include drywall cracks, broken windows, shifted foundation walls, and damage to chimneys or brick veneer. Unsecured items inside the home, such as water heaters, bookcases, and televisions, can tip over and cause injuries or property damage.

Older homes, particularly those built before modern building codes, are more vulnerable. Homes with unreinforced masonry or crawl-space foundations may experience more severe damage. In Georgia, building codes include seismic provisions, but many homes were built before these codes were adopted.

When it comes to insurance, remember that standard homeowners policies typically do not cover earthquake damage. According to FEMA, earthquake insurance is a separate policy or endorsement. If you are concerned about financial risk, talk to your insurance agent about adding earthquake coverage.

It's also wise to review your home's value and consider whether earthquake insurance makes sense for your family. For many homes, the cost of separate coverage is modest when compared to the potential cost of repairs.

How to prepare your home

Taking simple steps now can reduce damage and injuries if an earthquake occurs. Follow the advice of Ready.gov and your state emergency agency, the Georgia Emergency Management and Homeland Security Agency:

• Secure your water heater to wall studs with metal straps.
• Bolt bookshelves, cabinets, and other tall furniture to the wall.
• Install latches on kitchen and bathroom cabinets to keep contents from falling out.
• Anchor heavy electronics, such as TVs and computers, to prevent tipping.
• Store breakable items, like glassware and dishes, in closed cabinets with secure latches.
• Know how to shut off your gas and water at the main valves.
• Keep a fire extinguisher in an accessible place.
• If your home is older, consider consulting a structural engineer about retrofitting options.
• Create a family emergency plan that includes a meeting spot and out-of-state contact.

Frequently asked questions

Can Georgia experience a major earthquake?

While a major earthquake is unlikely in Georgia, it is not impossible. The historic 1886 Charleston earthquake, estimated at magnitude 7.0 or greater, was felt throughout Georgia and caused minor damage in some areas. Scientists monitor seismic activity continuously, but they cannot predict earthquakes. Preparedness is the best defense. Being prepared can make all the difference.

Does homeowners insurance cover earthquake damage?

Standard homeowners insurance policies generally do not cover earthquake damage. You need a separate earthquake insurance policy or an endorsement added to your home policy. Contact your insurance provider to understand your options. FEMA offers guidance on earthquake insurance and financial preparedness.

What should I do during an earthquake if I am in Georgia?

Follow the 'Drop, Cover, and Hold On' advice from Ready.gov. Drop to your hands and knees, cover your head and neck under a sturdy table or desk, and hold on until the shaking stops. If you are outside, move to an open area away from buildings, trees, and power lines. Do not run outside during the shaking. For more detailed instructions, visit Ready.gov.

Official resources

• Georgia Emergency Management and Homeland Security Agency
• USGS Earthquake Hazards Program
• Ready.gov – Earthquakes
• FEMA Earthquake Safety