The Tennessee Department of Commerce & Insurance (TDCI) and the Tennessee Emergency Management Agency (TEMA) are collaborating to highlight the importance of earthquake preparedness during February, recognized as Earthquake Awareness Month. TDCI Commissioner Carter Lawrence emphasized the need for preparedness to ensure resilience following a natural disaster, urging consumers to consider the financial impacts of potential earthquakes and to explore earthquake insurance options.
Tennessee experiences frequent seismic activity due to two seismic zones: the New Madrid Seismic Zone in the west and the East Tennessee Seismic Zone in the east. While most earthquakes in Tennessee are minor, scientists predict a 25-40% chance of a 6.0 or higher magnitude earthquake in the central United States within the next 50 years. In addition to the New Madrid Seismic Zone, earthquakes occur along the Wabash Valley Seismic Zone and in various states such as Oklahoma, Kansas, Ohio, and Texas. Approximately 200 earthquakes occur annually in the central U.S., many of which are unnoticed.
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TEMA Director and CUSEC Board Chairman Patrick C. Sheehan has encouraged Tennesseans to understand earthquake risks and preparedness measures. In efforts to raise awareness, TDCI and TEMA representatives will participate in the QuakeSmart Preparedness Workshop in Memphis, Tenn., on February 20.
Traditional homeowners and business insurance policies typically do not cover earthquake damage, but earthquake insurance is available in Tennessee through licensed insurance producers. An instructional video is available to guide consumers on the specifics of earthquake insurance.
When considering earthquake insurance, consumers should be aware of deductibles, which usually range from 10% to 20% of the coverage limit. It is important to know that separate deductibles may apply to your home, belongings, and outside structures. Policies may offer varying levels of coverage, so consulting with an insurance agent is essential.
During an earthquake, quick action is crucial. Practicing Drop, Cover, and Hold On can help ensure safety. If outdoors, find a clear area away from hazards, and if driving, pull over and remain in the car until the shaking stops. Identifying safe locations in advance and securing heavy items in the home can further enhance preparedness.
For more information on insurance and preparedness, visit the Tennessee government insurance website at tn.gov/insurance.
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National Burn Awareness Week Promotes Safety
The Tennessee State Fire Marshal’s Office is focusing on burn prevention and home fire safety during National Burn Awareness Week from February 2-8, 2025. Highlighting the theme “Burn Prevention Starts Where You Live,” the initiative stresses the importance of safety measures in various home areas. State Fire Marshal Carter Lawrence and Assistant Commissioner Mike Bell emphasize the increased fire risk in winter and encourage reviewing fire escape plans and ensuring smoke alarms are functional. The SFMO offers assistance through local programs like “Get Alarmed, Tennessee!” and shares practical tips to minimize burn hazards.