Earthquake Insurance for Oklahoma Homes & Properties

Oklahoma’s earthquake risk is real, especially in the OKC metro, Edmond, and Midwest City. Standard homeowners insurance does not cover earthquake damage—leaving a major gap for structural repairs and personal property loss if the ground shifts.



Conway Insurance helps homeowners, landlords, and property investors add earthquake protection that fits their property type, location, and risk tolerance.

Questions about earthquake insurance in Oklahoma?

What Does Earthquake Insurance Cover?

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Dwelling Structure

Helps cover the cost to repair covered earthquake damage to your home..

Other Structures

Often includes other structures coverage to help pay for damage to detached garages, sheds, and other detached structures.

Personal Property

Coverage for furniture, appliances, electronics, and more—damaged by earthquake.

Loss of Use

Helps pay for temporary living costs if your home is uninhabitable after a covered quake.

Note: Earthquake policies have their own deductibles (often a percentage of coverage, not a flat dollar amount) and certain exclusions. We’ll explain what applies in Oklahoma and to your property type.

How Does Earthquake Insurance Work in Oklahoma?

Coverage is separate

Most standard homeowners and landlord policies exclude earthquake damage, but earthquake coverage may be available by endorsement or as a separate policy.

Deductibles are percentage-based

Usually 2–10% of the dwelling coverage amount. However thsoe deductibles may be higher.

Local geology matters

USGS confirms Oklahoma’s seismic risk has increased, especially near OKC and north-central regions.

Lender requirements

Some mortgage providers may require earthquake coverage for certain properties.

We guide you through limits, deductible choices, and policy options—so you’re not caught off-guard by Oklahoma’s seismic activity.

Who Needs Earthquake Insurance?

You should consider earthquake coverage if you:

  • Own property in Oklahoma City, Midwest City, Edmond, Moore, Norman, Yukon, or Mustang.


  • Have a home with slab or pier-and-beam foundation.


  • Want to protect equity in your house or rental.


  • Own investment properties and want asset protection.



  • Prefer to close “gaps” left by standard policies.
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Why Conway Insurance

Choosing earthquake insurance doesn’t have to be complicated. With Conway Insurance, you get:

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Independent agency access to multiple earthquake carriers.

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Guidance on local seismic risk and coverage scenarios.

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Experience with Oklahoma City, Edmond, Midwest City, and surrounding areas.

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Support navigating deductibles and policy structure.

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Ongoing help as property or risk changes.

Frequently Asked Questions

  • Does homeowners insurance cover earthquake damage?

    No. Earthquake damage is excluded from most standard policies.

  • Do I really need earthquake insurance in Oklahoma?

    USGS and Oklahoma Insurance Department both confirm real earthquake risk in the state—even if events are infrequent.

  • What does an earthquake deductible mean?

    It’s usually a percentage of your coverage (for example, 5% of your home’s insured value), not a flat dollar amount.

  • May I add or purchase earthquake insurance at any time?

    Typically, yes, but there is no coverage for prior earthquake damage, and coverage may be subject to underwriting restrictions or temporary moratoriums.

  • How do I get started?

    Call us or request a quote online. We’ll review your property and provide the best-fit options for earthquake coverage.

  • Does earthquake insurance cover damage from fracking-related or induced earthquakes?

    Sometimes, but it depends on the policy and carrier. Some earthquake policies or endorsements may address induced or “man-made” seismic events differently, so it is important to review the specific policy language carefully

Still have questions? Call or use our online form for personalized help.
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Protect Your Oklahoma Home or Rental From the Unexpected.

Call Conway Insurance today for earthquake coverage guidance and a quote:


Midwest City Office: (405) 733-2886
Edmond Office:(405) 245-1484