Earthquake Insurance

earthquake insurance

If you currently insure your home, mobile home, farm, or commercial property with Kentucky Farm Bureau Insurance, you're eligible to add earthquake insurance. We offer exceptional and affordable earthquake coverage as a registered coverholder for Lloyd’s of London, the world’s specialist in the insurance and reinsurance market. This collaboration provides KFB insureds with the sound, trusted financial backing of an international company, but with the convenience of local service. In the event of an earthquake, our claims staff would work with members to resolve their claims, to find a claims office or to talk to a local agent, find an agent about specific coverage options today.

Why should Kentuckians consider earthquake insurance?

Kentucky is one of 16 states at the highest risk for earthquakes, according to the United States Geological Survey (USGS). The western portion of Kentucky sits on the most active fault in the central and eastern United States (the New Madrid Seismic Zone). This zone is a source of continuing small and moderate earthquakes, and, according to experts with the USGS, it could pose a risk "for a major destructive earthquake" in the future.

For more information about the risk of earthquakes in Kentucky, click here.

Risk by county

Due to Kentucky's proximity to the New Madrid Seismic Zone, some areas of the state are substantially more susceptible than others. Check out the map below to assess your risk:

New Madrid Seismic Zone with risks to Kentucky


Counties at critical risk of earthquake damage:
Ballard, Carlisle, Fulton, Graves, Hickman, and McCracken 

Counties at high risk of earthquake damage:
Caldwell, Calloway, Crittenden, Henderson, Hopkins, Livingston, Lyon, Marshall, Trigg, Union and Webster.

Counties at moderate risk of earthquake damage:
Allen, Barren, Bath, Bell, Bourbon, Breathitt, Breckenridge, Butler, Christian, Clark, Clay, Clinton, Daviess, Edmonson, Elliott, Estill, Fayette, Fleming, Floyd, Garrard, Grayson, Hancock, Hardin, Harlan, Harrison, Hart, Jackson, Jessamine, Johnson, Knott, Knox, Laurel, Lee, Leslie, Letcher, Lincoln, Logan, Madison, Magoffin, Martin, McCreary, McLean, Meade, Menifee, Montgomery, Morgan, Muhlenberg, Nicholas, Ohio, Owsley, Perry, Pike, Powell, Pulaski, Rockcastle, Rowan, Russell, Scott, Simpson, Todd, Warren, Wayne, Whitley and Wolfe.

All unlisted counties are at low risk of earthquake damage.

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.


rated A (excellent), one of the highest ratings awarded by the A.M. Best Company   |   rated an A+ with the Better Business Bureau (BBB)

What to do if you experience property damage or loss due to an earthquake

If you have experienced property damage or a loss due to an earthquake, click here for instructions on what to do next. A claims adjuster from right here in Kentucky will be in touch with you shortly. 

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