Should you get earthquake insurance?

The factors stirring up a home insurance storm

The cost of the average home insurance premium shot up 33% between 2020 and 2023 in the US, a trend mimicking heightened inflation. But beyond the cost, insurers are also pulling out of major markets like Florida and California, and millions of policies aren't being renewed as the number of $1B weather disasters continues to increase each year. Read up on the difficulties the home insurance market faces here.

Earthquakes of identical magnitudes are unlikely to cause equal damage

The severity of earthquakes depends on factors beyond the energy released in a region, including local architecture and geological conditions, such as water-saturated soil behaving like quicksand. Secondary effects, such as landslides, floods, and fires, may also contribute.

Earthquake early warning systems do not predict earthquakes

Systems like ShakeAlert® use a network of hundreds of ground sensors to detect earthquakes moments after they begin. Since seismic waves travel about 5 km/s, individuals may be notified of earthquakes before they feel the seismic activity has reached them.

Homes in areas increasingly prone to natural disasters often aren't covered by private insurance

Instead, they're often covered under insurance plans of last resort, known as FAIR (Fair Access to Insurance Requirements) plans. However, as more and more homes become covered by FAIR, the program is facing strain. This interactive visual helps explain the new problems FAIR is facing.

The Richter scale was only intended to quantify Southern California earthquakes

The scale, designed to rate the energy of the largest seismic waves released by an earthquake, was calibrated to the region’s crust and mantle properties. Since the 1970s, seismologists have instead used the moment magnitude scale, which considers all waves of released energy.

If, not when: An earthquake is destined to destroy the Pacific Northwest.

When the Cascadia fault line ruptures, it could be North America’s worst natural disaster in recorded history. Read a deep dive into the history of the region and the potential impact of the eventual seismic boom.

View a map of the world’s major earthquakes from 1956-2022

Such maps can help identify tectonic plate boundaries. The most significant earthquakes are characteristic of converging plates, such as those in the Circum-Pacific Belt and the Alpine-Himalayan Belt, where the Himalayas continue to grow.

Mortgage insurance offers help to buyers who can’t afford to put down 20% up front

Buyers who need mortgage insurance end up paying more per month on top of their loan to cover the added insurance. At its core, mortgage insurance helps buyers purchase a home they can’t afford, letting them put down 20%, while protecting lenders offering potentially risky loans.

Small elevation differences drastically protect homes in hurricanes

The construction of seaside homes has long involved building residences on elevated stilts, but this feature adds costs—and some elevated homes still fail. Explore the engineering behind the ideal height of a hurricane-proof building.

If you decide to buy term life insurance, coverage will eventually expire

If you decide to buy term life insurance, you’ll no longer have coverage once the agreed-upon timeframe is over. You can always plan ahead to pay off major expenses before your coverage ends, but if this doesn’t happen, you may need to renew or replace your policy.

Surprising costs associated with homeownership include taxes and roof maintenance

Owning a home includes not just expected costs such as a mortgage, homeowners insurance, and landscaping, but also less-obvious expenses like property taxes, repairing and maintaining one’s roof and HVAC system, and HOA fees.

California has the highest median rent in the US at $2,104

Hawaii has the second-highest median rent in the US at roughly $1,942 per month, including utilities. That's as of 2024, based on data from the US Census Bureau.

How to prepare your finances for a layoff

Getting laid off is often unexpected—but that doesn't mean you can't plan for the worst, financially speaking. This article provides a few key tips on how and when to get your finances in order if you're worried about being laid off, such as looking into the cost of replacing employer-sponsored benefits like healthcare. Read more here.

Everything you need to know about emergency funds

The general rule of thumb for emergency funds is that you should have three to six months of living expenses saved—but what does that mean exactly? This article answers all your specific emergency fund questions, such as where you should put those emergency reserves, whether you should save three to six months of your full salary or just enough to cover three to six months of bills, and more. Read it here.

Some California cities outsource their public services entirely to the county

Southern California's "contract cities" incorporate as municipalities but pay Los Angeles County for police, fire, and other services rather than running their own departments—a cost-saving model common across the region.

How NASA measures marsquakes

Most probes sent to other planets and asteroids focus on surface phenomena, but NASA's InSight Lander is interested in looking deeper. Studying marsquakes as well as the red planet's crust and core, InSight provided four years of insight into how the rocky planets of the inner solar system formed.

At one point, the land underneath the Imperial Palace in Japan was reportedly worth more than California

Before Japan's economy crashed and sent the country into two decades of deep deflation, the real estate market was experiencing euphoric highs. The Imperial Palace never actually went on the market, so it's difficult to actually compare the value to California.

A nearby super volcano poses an even greater risk to Italy than Vesuvius

The Campi Flegrei supervolcano, with over half a million residents nearby, may be the region’s true threat. This BBC short shows how scientists monitor Campania’s volatile geology—and why people remain drawn to the landscape despite the danger.

Calculate: Do you need to file for bankruptcy?

About 77% of American households had some debt at the end of 2023. However, when debt becomes crushing, it's time to consider a management plan or a bankruptcy filing. This calculator helps explore whether debt is manageable based on inputs like medical debt, payday loans, and gross annual income.

Earth's core is leaking precious metals, including gold

Earth's core, containing 99.999% of all known gold, is leaking trace amounts of precious metals into the mantle. Advanced isotopic methods have detected this leakage at volcanoes in Hawai'i, providing new insights into the movement of material beneath Earth's surface.

Getting prequalified or preapproved for a loan is typically step one in securing a home loan

While prequalification and preapprovals give buyers an idea of the type of loan offer they might expect, the prequalification process is much more straightforward than getting preapproved. However, some real estate agents require buyers to get preapproved, and some sellers may take a buyer's offer more seriously.

If your job doesn’t offer a 401(k), you still have retirement savings options

Do you know more than a third of working adults aren't offered a 401(k) through their jobs? If you're part of that group, you still have options for retirement savings, including IRAs, taxable investment accounts, and more.

Each state has its own regulations regarding marriage

Some states don’t even require a ceremony or license, opting to allow “common law” marriages. Prenuptial agreements and other legal matters will likely require an attorney’s help. And marriages can offer benefits, like tax breaks.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

View US maps of average daily solar resources and solar-based electricity generation

The state you live in can drastically change how much solar energy you can expect to capture to power your home. These National Laboratory of the Rockies maps show where you can reliably generate solar resources.

Not all companies with bank-sounding names are actually FDIC-insured banks

When purchasing a certificate of deposit, it's important to know if you are purchasing a “deposit” product issued by an FDIC-insured bank.

While El Niño moves warm Pacific Ocean waters east along the equator, La Niña moves them west, shifting where rainfall will become more common for months.

See this overview of the firework rules across all 50 states, ranging from a complete ban on non-professional fireworks in Massachusetts to states with more lax rules like Indiana.

44% of Americans say they pray at least once a day—discover how your state's religiosity stacks up against the rest of the country.

Discover the catastrophic consequences of a failure of the US electrical grid—something that is more likely than many Americans think.

Volcanoes 'die' when their supply of magma runs out, if they are shifted away from their underlying magma reservoir, or if they get clogged by collapsing or their magma cooling back into rock.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

In its famous catalog, Sears sold $600 DIY house kits from 1908 through the 1940s, resulting in an estimated 100,000 'Sears and Roebuck homes.'

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

Visualize the path of every solar eclipse from 1900 to 2099 and see what each looks like when observed from different locations on Earth.

Stars appear to twinkle because turbulence in the motion of molecules in Earth's atmosphere causes light to bend and wiggle rapidly on its way to the surface—a phenomenon called scintillation.

Corals are themselves not coral reefs—the term refers to the tiny marine invertebrates that build the rigid reef.

Louisiana's 'Cancer Alley' is infamous for having some of the highest industrial pollution, toxic air emissions, and cancer risks in the US.

A researcher recently discovered an interview from 1967 between groundbreaking journalist Joan Didion and the Grateful Dead, years before the band became an institution.

Venture capital is a form of funding provided to early-stage companies with high growth potential, typically in exchange for an equity (or ownership) stake

Pure water does not conduct electricity because this flow of energy requires the movement of charged particles, and water is a neutral molecule.

Watch the cumbersome, but necessary, precautions healthcare workers must take to care for and protect themselves while caring for Ebola patients.

Netflix profits when you're not watching, and its movies are designed that way—read a detail-rich critical essay exposing lesser-known Netflix takes

Hookworm infection, though risky, may help fight certain autoimmune conditions by tamping down the immune system's inflammatory response.

Iran's Revolutionary Guard Corps is independent of Iran's regular army and is one of the most powerful and influential military-political organizations in the Middle East.

Apeirophobia is an overwhelming fear of living forever, perhaps stemming from the brain's inability to conceptualize an infinite life.

Mark Twain spent decades feuding with the US Postal Service, convinced its costs and regulations were bureaucratic overreach.

See photos of Meteora, a mountainous site in central Greece, home to 14th-century monasteries perched atop soaring outcroppings.

Hotels in Cannes, the glamorous city on the French Riviera, hire hawks to ward off seagulls during the city's famous film festival.