What the data shows
Alaska dominates the count. 8,331 of 10,502 magnitude 4.0+ earthquakes, 79%, were in or off Alaska, most along the Aleutian subduction zone far from where people live; its largest was magnitude 8.2 (2021 Chignik, Alaska Earthquake).
California leads the lower 48 with 1,028, then Oregon (307), Nevada (172), Oklahoma (100), Idaho (75), Texas (51). California’s largest since 2000 was magnitude 7.2 (153 km W of Big Lagoon, California, June 2005).
Oklahoma is the surprise: 100 magnitude 4.0+ earthquakes, including a magnitude 5.8 in September 2016, the largest there in this data.
For a homeowner, earthquake damage is excluded from a standard homeowners policy; it takes a separate earthquake policy or endorsement, usually with a percentage deductible. In California that’s often a California Earthquake Authority policy or a private one (earthquake insurance in California; your county’s storm history).
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