Earthquakes Are on the Rise in Tennessee. Here's How You Can Protect Your Home.

March 21, 2022

earthquake insurance

Background on Earthquakes in Tennessee

You might not think of Tennessee as an earthquake-prone area, especially compared to states like California, Alaska, Arkansas, and Kentucky, but earthquakes have become much more common in Tennessee lately. According to the United States Geological Survey, the number of earthquakes in Tennessee hovered around just 30-50 per year during the mid-to-late 1990s. That number increased to approximately 150 in the mid-2000s and shot up to nearly 300 in the late 2010s. It’s safe to say we’re seeing much more seismic activity in Tennessee than we used to.

Earthquakes can occur randomly, but they often center around seismic zones. There are two seismic zones that touch Tennessee: the New Madrid Seismic Zone (NMSZ) in west Tennessee and northeast Arkansas and the East Tennessee Seismic Zone (ETSZ) in east Tennessee. Experts say these areas are particularly likely to experience earthquakes, though earthquakes can occur in other areas. While most earthquakes occur in the eastern and western portions of our state, middle Tennessee also experiences earthquakes.


What to Do in the Event of an Earthquake

It’s always a smart idea to be prepared—especially when it comes to unpredictable and catastrophic events like earthquakes and floods. If an earthquake does happen, you may only have seconds to make critical, life-saving decisions. If the earthquake occurs while you’re in your home, try to hold onto something secure so you don’t fall, and try to get under something sturdy like a table. Most injuries from earthquakes come from falling objects or walls.

If an earthquake takes place while you’re outside, immediately move away from tall objects that could fall. Large objects like buildings, flag poles, signs, billboards, and other objects are dangerous in an earthquake. 

For more instructions on what to do during an earthquake, visit this page published by the Tennessee Department of Commerce and Insurance.


How Can You Insure Your Property for the Risk of Earthquakes?

Contrary to what many believe, your Farm Bureau Insurance homeowners policy doesn’t include earthquake insurance. However, our agents do have relationships with companies that specialize in this specific coverage. If you’d like to purchase earthquake insurance, simply contact your agent or visit our website to locate a Farm Bureau Insurance agent near you. They’ll help you assess your needs and find a solution.

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