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Protecting Earthquake Risk in Washington and Oregon

Jumpstart is thrilled to announce that we’ve expanded our parametric earthquake insurance to Washington and Oregon. The Pacific Northwest faces nearly as much earthquake risk as California. And now, residents of Washington and Oregon have a new way to protect themselves from earthquakes. Jumpstart’s simple, affordable coverage pays a lump-sum immediately after an intense earthquake.

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Why Do Less Than 10% Of People Buy Earthquake Insurance?

Californians live with the threat of earthquakes every day. Most people are aware that a large earthquake, especially along the San Andreas fault, is inevitable. Yet, financially we’re woefully underprepared. Did you know that less than 10%* of Californians have earthquake insurance? Why is that?

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The Worst Places to Be When an Earthquake Strikes

We’ve secured our bookshelves, packed go-kits, and set emergency plans to find the safest place during an earthquake. We like to think we’ll be cozy at home when the “Big One” hits. But, consider the worst-case scenarios: What are the most dangerous places to be when a major earthquake happens? We explore three earthquake danger spots.

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Most Dangerous Fault You Have Never Heard Of – Cascadia Subduction Zone

Most Americans know only one fault line by name– the San Andreas Fault.  While the San Andreas Fault has the potential to unleash a devastating earthquake (the ‘big one” earthquake) at any moment, it’s not the only dangerous fault line in America – or even on the West Coast.

The Pacific Northwest is the most dangerous earthquake hotspot outside of California – because it is part of the Cascadia Subduction Zone.

The Cascadia Subduction Zone

Subduction Zone Earthquakes

Subduction zones are where two plates collide against each other, with one plate descending beneath the other. At the Cascadia Subduction Zone, the Juan de Fuca plate is colliding into the North American plate and descending beneath it. In comparison, the San Andreas Fault in California is an example of where two plates slide past each other at the surface, also known as a strike-slip fault.

Powell Center Cascadia Subduction Zone Earthquake Fault Zone
In the Pacific Northwest, the Juan de Fuca plate is colliding into the North American plate known as the Cascadia Subduction Zone.

The name “Cascadia” refers to the Cascade Range, a chain of volcanic mountains that are 100 miles inland, but follow a parallel path as the subduction zone. The Cascadia Subduction Zone spans 700 miles north-to-south, off the coast of Oregon and Washington. The south end of the subduction zone is near Cape Mendocino, California. The north end of the subduction zone terminates near Vancouver Island, Canada.

It is well known that most or the world’s earthquakes occur on the Ring of Fire, which runs from the coasts of New Zealand, Indonesia, and Japan, to the west coast of North and South America.

Global Earthquakes M7.0+ (depth 0–69km) along the Ring of Fire between 1900-2013 from USGS.
Global Earthquakes M7.0+ (depth 0–69km) along the Ring of Fire between 1900-2013 from USGS.

The Ring of Fire is actually a string of subduction zones. Subduction zones create the largest-magnitude earthquakes in history, known as “megathrust” earthquakes. In fact, the largest recorded earthquake in history was a subduction zone earthquake along the Ring of Fire, the 9.5 magnitude Valdivia Earthquake that struck Chile in 1960.

The “Really Big One”

A New Yorker article, authored by Kathryn Schulz, gave this potential megathrust earthquake in the Pacific Northwest a name: “The Really Big One.” The next big earthquake in the Cascadia Subduction Zone will have a Magnitude as high as 9.2. In comparison, the upper limit for the San Andreas Fault is a Magnitude 8.2.

“The discovery of the Cascadia subduction zone stands as one of the greatest scientific detective stories of our time.” – Kathryn Schulz, author of The Really Big One.

In her article, Schulz explained the process scientists went through to discover the Cascadia Subduction Zone and its history of earthquakes.

The Pacific Northwest sits squarely on the Ring of Fire, and this is why scientists first discovered the Cascadia Subduction Zone. Yet, scientists did not know if the Cascadia Subduction Zone had ever produced a strong earthquake, how often, or when the next one could occur. This is because human settlements in the Pacific Northwest did not keep written historical records until the 1800s.

The “Ghost Forest”

A grove of western red cedars known as the “ghost forest” on the banks of the Copalis River, near the Washington coast. As outlined by Schulz in her article, a clue was found in the 1980s by Brian Atwater, a geologist with the United States Geological Survey, and David Yamaguchi, a graduate student. The clue? A grove of western red cedars known as the “ghost forest” on the banks of the Copalis River, near the Washington coast. Scientists already knew these trees died from saltwater flooding, but they originally believed that the trees died slowly over time due to sea level rise. But, this theory changed when Atwater was studying soil layers along the Washington coast and found evidence of sudden land subsidence. Atwater theorized that the trees died quickly when the ground beneath them plummeted underwater.

Atwater teamed up with Yamaguchi, a specialist in dendrochronology (the study of tree rings). They “took samples of the cedars and found that they had died simultaneously: in tree after tree, the final rings dated to the summer of 1699” explains Schulz. With this timeline, Yamaguchi and Atwater concluded that a massive earthquake had occurred sometime between August, 1699 and May, 1700, causing the land to drop suddenly and the cedars to drown.

But could it be proven that this earthquake actually occured?

The “Orphan Tsunami”

The answer to this next piece of the puzzle was 5,000 miles away in Japan. The Japanese have kept written historical records of earthquakes and tsunamis for hundreds of years. According to these records, a six-hundred-mile-long wave struck the coast of Japan in January 1700, yet no earthquake was felt beforehand. This became known as the “orphan tsunami.”

As outlined in a 1996 article in Nature, seismologist Kenji Satake and three colleagues were able to put all the pieces together, pulling from previous work by Atwater and Yamaguchi. On January 26, 1700, a magnitude-9.0 earthquake struck the Pacific Northwest, now known to be along the Cascadia Subduction Zone. Ten hours later, the tsunami reached Japan, on January 27, 1700. This collaborative scientific discovery solved the mystery of the “orphan tsunami”.

The Next “Really Big One” – Measuring Earthquake Risk

Cascadia Zone Earthquake Forecast

While scientists cannot predict with certainty when the Cascadia Subduction Zone will release an earthquake, they can estimate the average time between quakes, or recurrence interval. In her article, Schulz describes how Chris Goldfinger, paleoseismologist at Oregon State University, researched deposits left on the ocean floor from past earthquakes. Goldfinger was able to determine the average amount of time between Cascadia Subduction Zone earthquakes.

In the past 10,000 years, the Pacific Northwest experienced 41 subduction-zone earthquakes. Cascadia Subduction Zone earthquakes have occurred on-average every 243 years. With the last known Cascadia Subduction Zone earthquake occurring in 1700, 321 years have now elapsed. Note that the recurrence interval is only an average.

According to research conducted by Goldfinger, the odds of a big (magnitude 8.0-8.6) Cascadia earthquake happening in the next fifty years are roughly one in three. The odds of the really big one (magnitude 8.7-9.2) are roughly one in ten.

Impacts of a “Really Big One” Earthquake

The Northwest Pacific Coast ripping apart at the Cascadia Subduction Zone
Source: “The Really Big One”. Digital Image. Kathryn Schulz. The New Yorker. https://www.newyorker.com/magazine/2015/07/20/the-really-big-one

If a large Cascadia earthquake and tsunami occurred today, FEMA estimates that it will cause nearly 13,000 fatalities and 27,000 injuries. The 2011 magnitude 9.0 earthquake in Japan, also a subduction zone, megathrust quake, killed more than 15,000 people.

FEMA further estimates that a large Cascadia earthquake will damage more than a million buildings and cause a million people to be displaced from their homes.

Jumpstart’s Resilience Report found that housing displacement has the potential to be the most severe consequence of a major earthquake.

Scientists and resilience advocates in Oregon including members of the Oregon Seismic Safety Policy Advisory Commission (OSSPAC) created a gripping play-by-play that chronicles the probable aftermath of a Cascadia Subduction Zone earthquake.

OSSPAC estimates post-earthquake timelines to restore critical infrastructure:

  • electricity restoration: 1 to 3 months
  • water and sewer restoration: 1 to 12 months
  • Major highways: 6 to 12 months
  • Health-care facilities: 18 months.

Importantly, these estimates are for inland locations only. Coastal communities would experience even longer timelines. The tsunami-inundation zone will remain basically unlivable for years. The entire Pacific Northwest will face a long-term economic down-turn and loss of population.

A Cascadia Subduction earthquake will impact an estimated 140,000 square miles, an area nearly as large as the size of California. The impacted area will include the large metropolitan cities Seattle, Tacoma, Portland, Eugene, and both State Capitals of Oregon (Salem) and Washington (Olympia).

How to Prepare for a Cascadia Subduction Earthquake

For residents in the Pacific Northwest, and anyone living in earthquake-prone areas, it is essential to prepare for the next earthquake.

Earthquake-proof your home

Preparing for earthquakes means minimizing your risks, not eliminating them. There are a number of ways you can earthquake-proof your home including fastening heavy furniture and strapping your water heater, bolting your foundation, and bracing cripple walls.

Get a few seconds warning

Purchase a wall-mounted earthquake alarm that can give you a few seconds of warning to drop, cover, and hold on. USGS’s Shake Alert is a phone app that will give you an alert when strong shaking is expected in your area.

Plan for financial resilience

Jumpstart is a unique parametric insurance product that pays a lump-sum right after an earthquake. Policyholders can use the money to pay for any expense related to the quake, whether or not you experience physical breakage. It’s a critical step toward financial resilience in earthquakes.

For more earthquake preparation tips keep browsing our blog!

In conclusion, the name Cascadia Subduction Zone may not be as easy to remember as the San Andreas Fault, but it is every bit as important to remember and prepare for.

1906 San Francisco Earthquake Facts & Lessons

In 1906 San Francisco experienced one of the worst natural disasters in history, an earthquake of 7.9 magnitude. What did we learn from the earthquake, and what changes did we implement after the earthquake? Have we done enough to prepare for the next big earthquake? In this article, we review discoveries related to geology, earthquake-induced fires, building performance, and the recovery process.

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