pl hopl WA Equake 0508 - agents.unigard.com · Earthquake Section Revised - January, 2008 Washington Page 1 Limited Earthquake Index Page Section No. A. - C. Course of Construction

Earthquake Section

Revised - January, 2008 Washington Page 1

Limited Earthquake Index Page Section No. A. - C. Course of Construction............................................. 6 II.

Coverage.................................................................. 8 IV.1.A. Additional Living Expense ..................................... 8 IV.1.A.3. Contents............................................................... 8 IV.1.A.2. Dwelling................................................................ 8 IV.1.A.1.

D. Deductible ................................................................ 9 IV.1.B. E. - F. Earthquake Rating Zone Assignment Table .............. 17 V. G. - H. Glossary ................................................................... 7 III. I. - K. Information ............................................................... 3 I. L. Limited Earthquake Rating Method........................... 12 IV.2. Loss Assessment Coverage ..................................... 9 IV.1.D. M. - O. Minimum Premium.................................................... 12 IV.1.3.

Mobilehomes............................................................ 6 II. P. - Z. Premium for Base Deductible ................................... 10 IV.1.E. Renewal Premium Conversion Factor Rule ............... 14 IV.3.

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Earthquake Section

New Page - June, 1999 Washington Page 3

I. Earthquake Information Faults and Earthquakes The United States is undermined by several major fault systems, each of which

have the potential of causing catastrophic earthquakes. New faults are discovered regularly. It’s believed that the 1994 Northridge Earthquake produced the highest set of ground motions ever recorded in a major urban area. Peak accelerations reached or exceeded twice the force of gravity. This earthquake made seismographers aware of the existence of` more fault lines in the metropolitan Los Angeles area than previously known. Proximity of a quake’s epicenter to populated areas is one key to the amount of insured loss. However, depending on soil composition and other geologic factors, it is possible that the effects of a tremor may be felt even more intensely miles away from the epicenter.

State Exposure to Quake According to the Federal Emergency Management Association (FEMA), 39 states are exposed to earthquake activity. While every state in the union has suffered some degree of earthquake damage, most of this century’s seismic activity has occurred in the west. California and Washington experience considerable activity, with California reporting tremors nearly every day in some part of the state.

Predicting Quakes Seismologists continue to study earthquakes and develop theories that provide

a better understanding of why they occur and what the high risk areas are. Unfortunately, these theories cannot predict when the ground will shake, leaving accurate prediction of the next one a mystery.

Measuring Intensity There are two widely used methods for describing an earthquake’s intensity.

The Richter Magnitudes Scale gauges the amount of seismic energy released by an earthquake. A Richter measurement of 3.5 is equivalent to the amount of energy released by detonating 1,000 pounds of TNT. Following is a summary of the scale and the likely result of such an earthquake:

Richter Magnitudes

Earthquake Characteristics

Less than 3.5 Can be measured, but usually not felt by humans 3.5 to 5.4 Some minor damage, frequently felt by humans 5.5 to 6.0 Minor damage to buildings 6.1 to 6.9 Significant damage possible 7.0 to 7.9 Serious damage possible; major earthquake 8 or more Complete destruction of communities possible Source: University of Nevada-Reno, Seismology Lab MMI Scale The Modified Mercalli Intensity Scale (MMI Scale) is used to assess the effects

of an earthquake at different locations. The MMI Scale ranges from I (earth movement is not felt by humans) to XII (total destruction). Higher intensities usually occur closer to the epicenter, although not necessarily. In the 1989 Loma Prieta earthquake, also known as the World Series quake, the intensity was stronger in San Francisco Bay (up to IX) than in the area immediately surrounding its epicenter in the Santa Cruz Mountains (primarily VIII).

Earthquake Section


I. Earthquake Information (Cont’d) Predicting Loss Given a hypothetical epicenter and intensity as well as variables like soil

composition, location of risk, type of construction, age of building, building usage, building height and applicable deductible, forecasts of property risk and corresponding loss reserve potentials can be made with some confidence. Independent companies have developed computer models to help corporations such as Unigard analyze their loss potential. The two most prevalent ones were developed by Risk Management Solutions (IRAS model), which Unigard uses, and EQE, which the California Earthquake Authority (CEA) used to help develop rates for their mini policy.

Is there any coverage The basic homeowner and dwelling fire contracts exclude earthquake coverage under the Standard on the dwelling structure. Some companies provide earthquake coverage on Homeowners policy? contents when written under an “all-risk” form. Because of the potential

exposure for loss, Unigard chose to totally segregate earthquake from all other perils, although there is limited coverage in our Silver and Gold programs for Personal Property away from the residence premises. To obtain earthquake coverage, a separate earthquake endorsement must be added and the appropriate premium charged.

What are Unigard’s We believe that privately provided earthquake insurance should be available Guidelines for for all policyholders except those with a significantly greater than normal Earthquake Coverage? exposure. The following represent severe earthquake hazards that are not

contemplated by the rates. As such, dwellings fitting these criteria are not acceptable for coverage in Unigard: • Solid brick, stone, or concrete dwellings.

Frame residences are relatively flexible and therefore give way during earth movement, often sustaining relatively minor damage. Masonry construction is rigid and subject to structural failure during earthquake. Brick or stone veneer and tile roofs often sustain earthquake damage. Frame homes with masonry veneer are eligible, however, the masonry veneer is excluded from earthquake coverage.

• Mobile homes on steel or concrete piers regardless of tie downs.

Studies done following Loma Prieta found that concrete piers failed 43% of the time and steel piers failed 64% of the time. By contrast, only 12% of the concrete block systems failed.

• Unbolted Mobile homes on concrete foundations Second to foundation failure is the tendency of the mobilehome to fall off the support jacks when exposed to intense ground shaking. Bolting mitigates this.

Earthquake Section


I. Earthquake Information (Cont’d)

• Dwellings on a slope of more than 20 degrees Most of the damage in the 1964 Alaska earthquake was caused by soil failure, including landslide. The greater the degree of slope, the more prone it is to landslide, especially if the slope is steepened by erosion or excavation. With accelerations exceeding the force of gravity, homes built on slopes become increasingly vulnerable to earthquake damage.

• Water heaters that have not been strapped and/or braced A water heater that is not strapped or anchored to the wall can topple during an earthquake. If gas or electrical lines are broken in the process, fire and/or water damage can occur.

• Homes that are not bolted to the foundation Bolting the foundation sill plate to the concrete foundation and bracing the cripple walls between the foundation and first floor help prevent the dwelling from being shaken off its foundation. During a sizable quake like the 1994 6.7 Northridge tremor, a home could actually slide off the foundation and experience partial collapse. It's a frightening prospect, and it happens too often for anyone to be complacent. During the 1989 7.1 Loma Prieta earthquake in Northern California, over 23,000 homes were damaged or completely destroyed. After an extensive study, the State Legislature found and declared that "lack of anchorage and cripple-wall failure were the avoidable causes." In other words, not one bolted home suffered from sliding or collapse.

• Dwellings built on posts, piers or stilts Previous earthquakes have demonstrated that posts, piers and stilts are generally unable to outlast the violent shaking of a quake. Collapse is common.

• Homes built on land fill or unstable soils, including alluvial soils and those subject to liquefaction Deep, loose soils tend to amplify and prolong the shaking. Soil subject to liquefaction may temporarily lose its ability to sustain the weight of the house.

• Dwellings with previous earthquake damage Homes with severe cracks in the foundation, dwelling or chimney Earthquake damage is cumulative. A structure which appears to have survived an earthquake may have been weakened by internal damage to the walls. One with known earthquake damage is especially susceptible due to the uncertainty that all damage was actually recognized and corrected.

Earthquake Section


I. Earthquake Information (Cont’d) To Obtain Earthquake Prior to offering earthquake coverage, a questionnaire signed by the insured Coverage on a and two photos showing front and rear angles of the home must be reviewed qualified risk: by underwriting. Agents do not have binding authority on earthquake risks.

What are Unigard’s The easiest time in the world to sell earthquake coverage is right after the Earthquake Guidelines ground shakes. Unfortunately, with many earthquakes, once isn’t enough. A AFTER the ground single earthquake is often followed by multiple aftershocks, many of which are shakes? earthquakes in their own right. To allow time for the ground to settle, there is a

30 day waiting period during which no coverage may be added to a dwelling within a 100 mile radius of the epicenter if a quake measures 5.0 or more on the Richter Scale. No coverage will be added for 72 hours within a 100 mile radius of the epicenter after an earthquake measuring less than 5.0 on the Richter Scale. In the event of a 30 day moratorium, a Producer Link Letter Bulletin, usually including a map, will be sent to all agents in the affected areas.

II. Questions & Answers Can earthquake Mobile Homes: be written on the following? A study completed by the California Department of Housing after the 1989

Loma Prieta earthquake revealed that manufactured homes (mobile homes) that were properly tied down and on solid foundations experienced little or no damage. The most common cause of shake damage to a mobile home occurs when the structure moves off the supports or is pierced by supports. Proper tie downs and a solid foundation eliminate this hazard. With tie downs that anchor the mobile home to the ground, the home is likely to experience damage no more severe than a frame home. Therefore, we offer earthquake coverage on manufactured homes if they are on full concrete foundations with proper tie downs.

Course of Construction:

Current building codes require that homes be bolted to the foundation. As bolting occurs during the framing process, the earthquake exposure is realistically no greater for a COC risk than it is for a fully completed dwelling. Earthquake on COC risks will be underwritten as if the dwelling is completed and occupied.

Earthquake Section


III. Glossary of Common Earthquake Terms Alluvial Soil: Clay, silt, sand, gravel or similar material deposited by running water. Made of

loose particles, alluvial soils tend to compact during earthquakes, making them unstable.

Anchor Bolts: Steel bolts embedded in a concrete foundation that hold the framing of

the building and the foundation together. Cripple Walls: A short stud wall that extends from the top of the perimeter foundation upward

to carry the floor joists. The danger comes from the fact these components are in the seismic load path and are often inadequately braced. They can collapse like dominos in a large earthquake. Plywood reinforcement on the inside face of the cripple-wall studs can save a house from destruction in a future quake.

Earthquake Retrofitting: Strengthening existing structures to resist damage from a future earthquake. Epicenter: The point on the earth’s surface directly above the focus of an earthquake. Fault: A weak point or fracture in the earth’s crust along which displacement of the

two opposing rock layers occurs. The joint is usually not exactly vertical but inclined, so that one plane of the fault overhangs the other.

Liquefaction: A condition resulting from quake vibrations that makes soil lose its cohesion

and behave temporarily as a liquid. On slopes as slight as 3°, loss from liquefaction can occur as large masses of soil flow down the slope. Soil may also lose its bearing strength, causing houses to sink and lighter buried structures (such as oil tanks) to rise to the surface.

Shearwall: Structural element made up of plywood, a specific nailing schedule, metal

connectors and wood framing which resists the sideways force of the earthquake.

Subduction Earthquake: A thrust type earthquake caused by slippage between converging plates in a

subduction zone (see below). Such earthquakes usually occur on the shallow part of the boundary and can exceed magnitude 8.

Subduction Zone: The region between converging plates, one of which dives beneath the other.

The Cascadia Subduction Zone in the Pacific Northwest is an example. Thrust Earthquake: (Also called a subduction quake.) An earthquake resulting from the sudden

movement of the leading edge of one plate descending (subducting) beneath another plate. The 1994 Northridge quake is an example. Thrust quakes are far more damaging than strike-slip quakes.

Earthquake Section


IV. Limited Earthquake Coverages — Homeowners and Dwelling Fire Rule 1. Limited Earthquake Coverage A. Coverages 1. Dwelling

The dwelling coverage limit will always be the same as the Coverage A limit for the dwelling. Dwelling coverage does not include:

outbuildings appurtenant structures swimming pools masonry fences and walls not necessary for the structural

integrity of the dwelling walkways and patios not necessary for regular ingress or egress

from the dwelling awnings or other patio covers decorative or artistic features including plaster if other covering

would be more cost-effective landscaping masonry chimneys. The policy does cover replacement of a damaged masonry

chimney with a nonmasonry, earthquake resistant chimney. exterior masonry veneer

2. Contents

Forms HO-3, HO-3+, HO-5, HO-4, HO-6 and Dwelling Fire: The contents limit will always be the same as the Coverage C limit for Personal Property. Contents coverage does not include coverage for glassware, china, porcelain, or ceramic items, artwork or other decorative items.

3. Additional Living Expense

The limit is $5,000 to cover expenses while the dwelling remains uninhabitable because of physical loss or damage by earthquake.

Attach Limited Coverage for Earthquake Washington - Home All Forms 151705 Attach Limited Coverage for Earthquake Washington - Dwelling Fire All Forms 151760

4. Earthquake coverage is available on Forms DP 00 02 or DP 00 03,

HO-3, HO-3+, HO-5+, HO-6 and HO-4, for frame and masonry veneer dwellings. Masonry veneer is excluded from coverage. Solid brick, stone or concrete dwellings are not eligible for earthquake coverage.

Earthquake Section


Rule 1. Limited Earthquake Coverage (Cont'd) B. Deductible - All Programs The base deductible is 15% of the limit for each coverage and is subject

to a $500 minimum. This deductible may be increased for a premium credit. Coverage A and Coverage C The deductible applies separately to loss under Coverage A - Dwelling and Coverage C - Personal Property. Additional Living Expenses No deductible applies to Additional Living Expense.

C. Premium for Higher The premium for higher deductibles is determined by applying the Deductibles applicable credit to the Base Deductible premium.

Homeowners Deductible Credit

Credits

Deductible Percentage Frame and Superior Masonry 15% 20% 15% 20% 35% 30% 25% 50% 40%

Dwelling Fire Deductible Credit

Credits

Deductible Percentage Frame and Superior Masonry 15% 20% 15% 20% 35% 30% 25% 50% 40%

D. Loss Assessment - Coverage for loss assessment resulting from loss by earthquake is not Earthquake available. (Property Coverage Only)

Earthquake Section


Rule 1. Limited Earthquake Coverage (Cont'd) E. Premium for Base The premiums are for each $1,000 of insurance. Deductible - All Programs

1. Homeowners

Table A - HO-3WA (Bronze), HO-3+ (Silver), HO-5+ (Gold) Zone Frame Masonry Superior 1 $4.38 $15.06 $3.14 2 3.00 14.03 2.30 3 2.09 9.38 1.75 4 1.45 8.19 1.42 5 0.47 2.83 0.68

Table B - HO-4WA, (Bronze)

Zone Frame Masonry Superior 1 $1.74 $6.58 $0.77 2 1.21 5.08 0.64 3 0.88 3.91 0.52 4 0.67 3.03 0.47 5 0.30 1.28 0.28

Table C - HO-6WA, (Bronze)


Table D – Coverage C Limits > 50% (All programs)


Earthquake Section


Rule 1. Limited Earthquake Coverage (Cont'd)

Table E - Coverage A - Condominiums, Building Additions and Alterations


2. Dwelling Fire

Table A - Coverage A + Dwellings and Improvements, Additions and Alterations


Table B - Coverage C - Personal Property Zone Frame Masonry Superior 1 $1.93 $7.12 $0.72 2 1.40 5.78 0.64 3 1.06 4.63 0.57 4 0.82 3.63 0.55 5 0.37 1.60 0.33

Table C - Coverage E - Additional Living Expense The premiums are for $5,000 limit of coverage. This coverage can only be written in conjunction with Coverage A.

Zone Frame Masonry Superior 1 $52 $67 $44 2 44 59 37 3 37 52 30 4 30 44 27 5 22 37 22

Earthquake Section


Rule 1. Limited Earthquake Coverage (Cont'd) 3. Minimum Premium Rule - Homeowners and Dwelling Fire

a. If Coverage A is purchased, the minimum premium will be $60. b. If the policy does not have Coverage A, the minimum premium will

be $40. Rule 2. Limited Earthquake Rating Method

The premium for Limited Earthquake Coverage will be developed as follows:

1. Homeowners Forms HO-3, HO-3+ and HO-5+:

a. Find the earthquake rating zone based on the ZIP Codes for the location.

b. Using Homeowners Earthquake Rate Tables A, B or C, find the

rate based on the earthquake rating zone and the construction of the dwelling. This is the rate per $1,000 of Coverage A.

c. Multiply the appropriate rate by the:

(1) Coverage A - Building limit for HO-3, HO-3+ and HO-5+. (2) Coverage C - Contents limit for Forms HO-4 and HO-6. (3) Amount of insurance for:

(a) Increased limits for Coverage C which includes the amount greater than the 50% amount of Coverage A for all programs - HO-3, HO-3+ and HO-5+.

(b) Coverage A - Condominiums, and Building Additions

and Alterations.

d. If a deductible greater than the earthquake base deductible is written, apply the applicable credit to the Base Deductible premium.

Earthquake Section


Rule 2. Limited Earthquake Rating Method (Cont’d)

2. Dwelling Fire - All Forms a. Find the earthquake rating zone based on the ZIP Codes for the

location of the condominium. b. Determine if Dwelling Fire Earthquake Rate Tables A, and/or B

applies, find the rate based on the earthquake rating zone, and the construction of the dwelling. This is rate per $1,000 of Coverage A and/or Coverage C.

c. Multiply the appropriate rate by the amounts of insurance for:

(1) Coverage A or Improvements, Alterations and Additions - Increased Limits.

(2) Coverage C.

d. Determine the flat charge by zone from Dwelling Fire Earthquake Rate Table C for Coverage E - Additional Living Expense. This is the flat charge for $5,000 limit for Coverage E.

e. If a deductible greater than the Earthquake base deductible is

written, apply the applicable credit to the Base Deductible premium.

Earthquake Section

New Page - May, 2008 Washington Page 14

Rule 3. Earthquake Renewal Premium Conversion Factor Rule As an inforce Homeowner policy with Earthquake coverage renews for the first time after October 11, 2008, a renewal Earthquake premium is calculated based on both existing rates and those effective after the approved effective date. For policies where the Earthquake rate differential is greater than +29% or less than 0%, the premium conversion factor from the table below will be applied to the Earthquake premium. As the policy renews the second and third time, the corresponding factor will be applied. For example, a 35% rate increase would have a 0.955 factor applied at the first renewal and a 0.977 factor applied at the second renewal. The third renewal of the policy would be at the full uncapped rate level.

Factors % Change Renewal 1 Renewal 2 Renewal 3 Factors continue to 999% with the same calculation

70% 0.758 0.879 1.000 69% 0.763 0.881 1.000 68% 0.767 0.883 1.000 67% 0.772 0.886 1.000 66% 0.777 0.888 1.000 65% 0.781 0.890 1.000 64% 0.786 0.893 1.000 63% 0.791 0.895 1.000 62% 0.796 0.898 1.000 61% 0.801 0.900 1.000 60% 0.806 0.903 1.000 59% 0.811 0.905 1.000 58% 0.816 0.908 1.000 57% 0.821 0.910 1.000 56% 0.826 0.913 1.000 55% 0.832 0.916 1.000 54% 0.837 0.918 1.000 53% 0.843 0.921 1.000 52% 0.848 0.924 1.000 51% 0.854 0.927 1.000 50% 0.860 0.930 1.000 49% 0.865 0.932 1.000 48% 0.871 0.935 1.000 47% 0.877 0.938 1.000 46% 0.883 0.941 1.000 45% 0.889 0.944 1.000 44% 0.895 0.947 1.000 43% 0.902 0.951 1.000 42% 0.908 0.954 1.000 41% 0.914 0.957 1.000 40% 0.921 0.960 1.000 39% 0.928 0.964 1.000 38% 0.934 0.967 1.000 37% 0.941 0.970 1.000 36% 0.948 0.974 1.000 35% 0.955 0.977 1.000 34% 0.962 0.981 1.000 33% 0.969 0.984 1.000 32% 0.977 0.988 1.000 31% 0.984 0.992 1.000 30% 0.992 0.996 1.000

Earthquake Section

New Page - January, 2008 Washington Page 15

Rule 3. Renewal Premium Conversion Factor Rule (Cont’d) All factors 0% and above and +29% and below are 1.00 factors as no cap applies. % Change Renewal 1 Renewal 2 Renewal 3 Factors continue to -99% with the same calculation -1% 1.010 1.005 1.000 -2% 1.020 1.010 1.000 -3% 1.030 1.015 1.000 -4% 1.041 1.020 1.000 -5% 1.052 1.026 1.000 -6% 1.063 1.031 1.000 -7% 1.075 1.037 1.000 -8% 1.086 1.043 1.000 -9% 1.098 1.049 1.000 -10% 1.111 1.055 1.000 -11% 1.123 1.061 1.000 -12% 1.136 1.068 1.000 -13% 1.149 1.074 1.000 -14% 1.162 1.081 1.000 -15% 1.176 1.088 1.000 -16% 1.190 1.095 1.000 -17% 1.204 1.102 1.000 -18% 1.219 1.109 1.000 -19% 1.234 1.117 1.000 -20% 1.250 1.125 1.000 -21% 1.265 1.132 1.000 -22% 1.282 1.141 1.000 -23% 1.298 1.149 1.000 -24% 1.315 1.157 1.000 -25% 1.333 1.166 1.000 -26% 1.351 1.175 1.000 -27% 1.369 1.184 1.000 -28% 1.388 1.194 1.000 -29% 1.408 1.204 1.000 -30% 1.428 1.214 1.000 -31% 1.449 1.224 1.000 -32% 1.470 1.235 1.000 -33% 1.492 1.246 1.000 -34% 1.515 1.257 1.000 -35% 1.538 1.269 1.000 -36% 1.562 1.281 1.000 -37% 1.587 1.293 1.000 -38% 1.612 1.306 1.000 -39% 1.639 1.319 1.000 -40% 1.666 1.333 1.000 -41% 1.694 1.347 1.000 -42% 1.724 1.362 1.000 -43% 1.754 1.377 1.000 -44% 1.785 1.392 1.000 -45% 1.818 1.409 1.000

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Earthquake Section

ZIP County Location Territory98001 King Auburn 398002 King Auburn 398003 King Federal Way 398004 King Bellevue 398005 King Bellevue 398006 King Bellevue 398007 King Bellevue 398008 King Bellevue 398009 King Bellevue P.O. Box 398010 King Black Diamond 498011 King Bothell 398012 Snohomish Mill Creek 398013 King Burton P.O. Box 398014 King Carnation 498015 King Bellevue P.O. Box X98019 King Duvall 498020 Snohomish Edmonds 398021 Snohomish Bothell 398022 King Enumclaw 598023 King Federal Way 398024 King Fall City 498025 King Hobart P.O. Box 598026 Snohomish Edmonds 398027 King Issaquah 498028 King Kenmore 398029 King Issaquah 498030 King Kent 398031 King Kent 398032 King Kent 298033 King Kirkland 398034 King Juanita 398035 King Kent P.O. Box X98036 Snohomish Lynnwood 398037 Snohomish Lynnwood 398038 King Maple Valley 498039 King Medina 398040 King Mercer Island 398041 King Bothell P.O. Box X98042 King Kent 498043 Snohomish Mountlake Terrace 398045 King North Bend 598046 King Lynnwood P.O. Box 398047 King Pacific 398050 King Preston P.O. Box 498051 King Ravensdale 498052 King Redmond 398053 King Redmond 498054 King Redondo P.O. Box 298055 King Renton 298056 King Renton 398057 King Renton P.O. Box X


Earthquake Section

ZIP County Location Territory98058 King Renton 498059 King Renton 498061 King Rollingbay P.O. Box 398062 King Seahurst P.O. Box 398063 King Federal Way P.O. Box X98064 King Kent P.O. Box X98065 King Snoqualmie 498068 King Snoqualmie Pass P.O. Box 598070 King Vashon 398071 King Auburn P.O. Box X98072 King/Snohomish Woodinville 398073 King Redmond P.O. Box X98074 King Sammamish 498075 King Sammamish 498077 King Woodinville 398082 King Mill Creek P.O. Box X98083 King Kirkland P.O. Box X98087 Snohomish Lynnwood 398089 King Kent P.O. Box X98092 King Auburn 498093 King Federal Way P.O. Box X98101 King Seattle 398102 King Seattle 398103 King Seattle 398104 King Seattle 298105 King Seattle 398106 King Seattle 298107 King Seattle P.O. Box 398108 King Seattle 198109 King Seattle 398110 King Seattle 398111 King Seattle P.O. Box 398112 King Seattle 398113 King Seattle P.O. Box X98114 King Seattle P.O. Box X98115 King Seattle 398116 King Seattle 398117 King Seattle 398118 King Seattle 298119 King Seattle 398121 King Seattle 398122 King Seattle 398124 King Seattle P.O. Box X98125 King Seattle 398126 King Seattle 398127 King Seattle P.O. Box 398131 King Seattle X98132 King Seattle 398133 King Seattle 398134 King Seattle 198136 King Seattle 3


Earthquake Section

ZIP County Location Territory98138 King Seattle P.O. Box 398139 King Seattle P.O. Box X98141 King Seattle P.O. Box X98144 King Seattle 298145 King Seattle P.O. Box X98146 King Seattle 298151 King Seattle R.P.O. 398154 King Seattle 298155 King Seattle 398158 King Seattle 398160 King Seattle P.O. Box X98161 King Seattle 398164 King Seattle 298165 King Seattle P.O. Box X98166 King Normandy Park 398168 King Seattle 298171 King Seattle R.P.O. 398174 King Seattle X98175 King Seattle P.O. Box X98177 King Seattle 398178 King Seattle 198188 King Seattle 398194 King Seattle P.O. Box X98195 King Seattle 398198 King Seattle 398199 King Seattle 398201 Snohomish Everett 398203 Snohomish Everett 398204 Snohomish Everett 398205 Snohomish Everett 298206 Snohomish Everett P.O. Box X98207 Snohomish Everett R.P.O. 398208 Snohomish Everett 398213 Snohomish Everett P.O. Box X98220 Whatcom Acme 498221 Skagit Anacortes 398222 San Juan Blakely Island 398223 Snohomish Arlington 498224 King Baring P.O. Box 598225 Whatcom Bellingham 498226 Whatcom Bellingham 498227 Whatcom Bellingham P.O. Box X98228 Whatcom Bellingham P.O. Box X98229 Whatcom Bellingham 498230 Whatcom Blaine 498231 Whatcom Blaine P.O. Box X98232 Skagit Bow 398233 Skagit Burlington 398235 Skagit Clear Lake P.O. Box 398236 Island Clinton 398237 Skagit Concrete 5


Earthquake Section

ZIP County Location Territory98238 Skagit Conway P.O. Box 398239 Island Coupeville 498240 Whatcom Custer 498241 Snohomish Darrington 598243 San Juan Deer Harbor P.O. Box 498244 Whatcom Deming 498245 San Juan Eastsound 498246 Skagit Edison 398247 Whatcom Everson 498248 Whatcom Ferndale 498249 Island Freeland 398250 San Juan Friday Harbor 498251 Snohomish Gold Bar 598252 Snohomish Granit Falls 498253 Island Greenbank 498255 Skagit Hamilton P.O. Box 598256 Snohomish Index P.O. Box 598257 Skagit La Conner 398258 Snohomish Lake Stevens 498259 Snohomish Lakewood P.O. Box 498260 Island Langley 398261 San Juan Lopez Island 498262 Whatcom Lummi Island 498263 Skagit Lyman P.O. Box 598264 Whatcom Lynden 498266 Whatcom Maple Falls 498267 Skagit Marblemount 598270 Snohomish Marysville 398271 Snohomish Marysville 498272 Snohomish Monroe 498273 Skagit Mt. Vernon 398274 Skagit Mt. Vernon 398275 Snohomish Mukilteo 398276 Whatcom Nooksack P.O. Box 498277 Island Oak Harbor 498278 Island Whidbey Island R.P.O. 498279 San Juan Olga 498280 San Juan Orcas P.O. Box 498281 Whatcom Pt. Roberts 498282 Island Camano X98283 Skagit Rockport 598284 Skagit Sedro Wooley 498286 San Juan Shaw Island P.O. Box 498287 Snohomish Silvana 498288 King Skykomish P.O. Box 598290 Snohomish Snohomish 398291 Snohomish Snohomish P.O. Box 398292 Snohomish Stanwood 498293 Snohomish Startup 598294 Snohomish Sultan P.O. Box 598295 Whatcom Sumas 4


Earthquake Section

ZIP County Location Territory98296 Snohomish Snohomish 398297 San Juan Waldron P.O. Box 498303 Pierce Anderson Island 498304 Pierce Ashford 598305 Clallam Beaver 598310 Kitsap Bremerton 398311 Kitsap Bremerton 398312 Kitsap Bremerton 398314 Kitsap Bremerton R.P.O. 398315 Kitsap Bangor Naval Base 398320 Jefferson Brinnon 498321 Pierce Buckley 498322 Kitsap Burley P.O. Box 398323 Pierce Carbonado 498324 Clallam Carlsborg P.O. Box 498325 Jefferson Chimacum 498326 Clallam Clallam Bay 598327 Pierce Dupont 498328 Pierce Eatonville 498329 Pierce Gig Harbor 398330 Pierce Elbe 498331 Clallam Forks 598332 Pierce Gig Harbor 398333 Pierce Fox Island 398335 Pierce Gig Harbor 398336 Lewis Glenoma 598337 Kitsap Bremerton 398338 Pierce Graham 498339 Jefferson Pt. Hadlock 498340 Kitsap Hansville 398342 Kitsap Indianola 398343 Clallam Joyce P.O. Box 598344 Pierce Kapowsin P.O. Box 498345 Kitsap Keyport P.O. Box 398346 Kitsap Kingston 398348 Pierce La Grande P.O. Box 498349 Pierce Lakebay 398350 Clallam La Push P.O. Box 598351 Pierce Longbranch 398353 Kitsap Manchester P.O. Box 398354 Pierce Milton 398355 Lewis Mineral 598356 Lewis Morton 598357 Clallam Neah Bay P.O. Box 598358 Jefferson Nordland 498359 Kitsap Olalla 398360 Pierce Orting 498361 Lewis Packwood 598362 Clallam Port Angeles 498363 Clallam Port Angeles 598364 Kitsap Port Gamble P.O. Box 3


Earthquake Section

ZIP County Location Territory98365 Jefferson Port Ludlow 498366 Kitsap Port Orchard 398367 Kitsap Port Orchard 398368 Jefferson Port Townsend 498370 Kitsap Poulsbo 398371 Pierce Puyallup 398372 Pierce Puyallup 398373 Pierce Puyallup 498374 Pierce Puyallup 498375 Pierce Puyallup 398376 Jefferson Quilcene 498377 Lewis Randle 598378 Kitsap Retsil P.O. Box 398380 Kitsap Seabeck 398381 Clallam Sekiu 598382 Clallam Sequim 498383 Kitsap Silverdale 398384 Kitsap South Colby P.O. Box 398385 Pierce South Prairie 498386 Kitsap Southworth P.O. Box 398387 Pierce Spanaway 498388 Pierce Steilacoom 398390 Pierce Sumner 498391 Pierce Bonney Lake 498392 Kitsap Suquamish 398393 Kitsap Tracyton P.O. Box 398394 Pierce Vaughn 398395 Pierce Wauna P.O. Box 398396 Pierce Wilkeson P.O. Box 498397 Pierce Longmire P.O. Box X98398 Pierce Paradise P.O. Box X98401 Pierce Tacoma P.O. Box X98402 Pierce Tacoma 398403 Pierce Tacoma 398404 Pierce Tacoma 398405 Pierce Tacoma 398406 Pierce Tacoma 398407 Pierce Tacoma 398408 Pierce Tacoma 398409 Pierce Tacoma 398411 Pierce Tacoma P.O. Box X98412 Pierce Tacoma P.O. Box X98413 Pierce Tacoma 398415 Pierce Tacoma P.O. Box X98416 Pierce Tacoma R.P.O. 398417 Pierce Tacoma P.O. Box 398418 Pierce Tacoma X98419 Pierce Tacoma P.O. Box 398421 Pierce Tacoma 298422 Pierce Tacoma 298424 Pierce Fife 2


Earthquake Section

ZIP County Location Territory98430 Pierce Tacoma 498431 Pierce Tacoma R.P.O. 498433 Pierce Fort Lewis 498438 Pierce McChord 398439 Pierce Tacoma 398442 Pierce Tacoma P.O. Box X98443 Pierce Tacoma 398444 Pierce Tacoma 398445 Pierce Tacoma 398446 Pierce Tacoma 398447 Pierce Tacoma R.P.O. 398448 Pierce Tacoma P.O. Box 398464 Pierce Tacoma P.O. Box 398465 Pierce Tacoma 398466 Pierce Tacoma 398467 Pierce Tacoma 398490 Pierce Tacoma P.O. Box 398492 Pierce Tacoma P.O. Box 498493 Pierce Tacoma R.P.O. 498494 Pierce Tacoma P.O. Box 398496 Pierce Tacoma P.O. Box 398497 Pierce Tacoma P.O. Box 398498 Pierce Lakewood 398499 Pierce Lakewood 398501 Thurston Olympia 498502 Thurston Olympia 498503 Thurston Olympia 498504 Thurston Olympia R.P.O. 498505 Thurston Olympia R.P.O. 498506 Thurston Olympia 498507 Thurston Olympia P.O. Box X 98508 Thurston Olympia P.O. Box X98509 Thurston Olympia P.O. Box X98511 Thurston Tumwater P.O. Box X98512 Thurston Olympia 598513 Thurston Olympia 598516 Thurston Olympia 598520 Grays Harbor Aberdeen 598522 Lewis Adna P.O. Box 498524 Mason Allyn 498526 Grays Harbor Amanda Park 598527 Pacific Bay Center P.O. Box 598528 Mason Belfair 398530 Pierce Bucoda P.O. Box 498531 Lewis Centralia 498532 Lewis Chehalis 498533 Lewis Cinebar 598535 Grays Harbor Copalis Beach 598536 Grays Harbor Copalis Crossing 598537 Grays Harbor Cosmopolis 598538 Lewis Curtis 5


Earthquake Section

ZIP County Location Territory98539 Lewis Doty P.O. Box 498540 Thurston East Olympia P.O. Box 498541 Grays Harbor Elma 598542 Lewis Ethel 598544 Lewis Galvin P.O. Box 498546 Mason Grapeview 498547 Grays Harbor Grayland 598548 Mason Hoodsport 498550 Grays Harbor Hoquiam 598552 Grays Harbor Humptulips 598554 Pacific Lebam P.O. Box 598555 Mason Lilliwaup 498556 Thurston Littlerock P.O. Box 598557 Grays Harbor McCleary 598558 Thurston/Pierce McKenna P.O. Box 498559 Grays Harbor Malone P.O. Box 598560 Mason Matlock 598561 Pacific Menlo P.O. Box 598562 Grays Harbor Moclips P.O. Box 598563 Grays Harbor Montesano 598564 Lewis Mossyrock 598565 Lewis Napavine P.O. Box 598566 Grays Harbor Neilton P.O. Box 598568 Grays Harbor Oakville 598569 Grays Harbor Ocean Shores 598570 Lewis Onalaska 598571 Grays Harbor Pacific Beach P.O. Box 598572 Lewis PeEll 598575 Grays Harbor Quinault 598576 Thurston Rainier 498577 Pacific Raymond 598579 Thurston Rochester 498580 Pierce Roy 498581 Cowlitz Ryderwood 598582 Lewis Salkum 598583 Grays Harbor Satsop P.O. Box 598584 Mason Shelton 498585 Lewis Silver Creek 598586 Pacific South Bend 598587 Grays Harbor Taholah P.O. Box 598588 Mason Tahuya 498589 Thurston Tenino 498590 Pacific Tokeland 598591 Lewis Toledo 598592 Mason Union 498593 Lewis Vader 598595 Grays Harbor Westport 598596 Lewis Winlock 598597 Thurston Yelm 498601 Clark Amboy 598602 Klickitat Appleton 5


Earthquake Section

ZIP County Location Territory98603 Cowlitz Ariel 598604 Clark Battleground 598605 Klickitat Bingen 598606 Clark Brush Prairie 598607 Clark Camas 598609 Cowlitz Carrolls P.O. Box 598610 Skamania Carson 598611 Cowlitz Castle Rock 598612 Wahkiakum Cathlamet 598613 Klickitat Goldendale 598614 Pacific Chinook P.O. Box 598616 Cowlitz Cougar 598617 Klickitat Dallesport P.O. Box 598619 Klickitat Glenwood 598620 Klickitat Goldendale 598621 Wahkiakum Grays River 598622 Clark Heisson P.O. Box 598623 Klickitat Husum P.O. Box 598624 Pacific Ilwaco 598625 Cowlitz Kalama 598626 Cowlitz Kelso 598628 Klickitat Klickitat 598629 Clark La Center 598631 Pacific Long Beach 598632 Cowlitz Longview 598635 Klickitat Lyle 598637 Pacific Nahcotta P.O. Box 598638 Pacific Naselle 598639 Skamania North Bonneville P.O. Box 598640 Pacific Ocean Park 598641 Pacific Oysterville P.O. Box 598642 Clark Ridgefield 598643 Wahkiakum Rosburg 598644 Pacific Seaview P.O. Box 598645 Cowlitz Silverlake 598647 Wahkiakum Skamokawa 598648 Skamania Stevenson 598649 Cowlitz Toutle 598650 Klickitat Trout Lake 598651 Skamania Underwood 598660 Clark Vancouver 598661 Clark Vancouver 598662 Clark Vancouver 598663 Clark Vancouver 598664 Clark Vancouver 598665 Clark Vancouver 598666 Clark Vancouver P.O. Box X98667 Clark Vancouver R.P.O. 598668 Clark Vancouver P.O. Box X98670 Klickitat Wahkiacus 598671 Clark Washougal 5


Earthquake Section

ZIP County Location Territory98672 Klickitat White Salmon 598673 Klickitat Wishram P.O. Box 598674 Cowlitz Woodland 598675 Clark Yacolt 598682 Clark Vancouver 598683 Clark Vancouver 598684 Clark Vancouver 598685 Clark Vancouver 598686 Clark Vancouver 598687 Clark Vancouver P.O. Box X98801 Chelan Wenatchee 598802 Chelan Wenatchee 598807 Chelan Wenatchee P.O. Box X98811 Chelan Ardenvoir P.O. Box 598812 Okanogan Brewster 598813 Douglas Bridgeport 598814 Okanogan Carlton 598815 Chelan Cashmere 598816 Chelan Chelan 598817 Chelan Chelan Falls P.O. Box 598819 Okanogan Conconully P.O. Box 598821 Chelan Dryden P.O. Box 598822 Chelan Entiat 598823 Grant Ephrata 598824 Grant George P.O. Box 598826 Chelan Leavenworth 598827 Okanogan Loomis 598828 Chelan Malaga 598829 Okanogan Malott P.O. Box 598830 Douglas Mansfield 598831 Chelan Manson 598832 Grant Marlin 598833 Okanogan Mazama P.O. Box 598834 Okanogan Methow 598836 Chelan Monitor P.O. Box 598837 Grant Moses Lake 598840 Okanogan Okanogan 598841 Okanogan Omak 598843 Douglas Orando 598844 Okanogan Oroville 598845 Douglas Palisades 598846 Okanogan Pateros 598847 Chelan Peshastin 598848 Grant Quincy 598849 Okanogan Riverside 598850 Douglas Rock Island 598851 Grant Soap Lake 598852 Chelan Stehekin P.O. Box 598853 Grant Stratford P.O. Box 598855 Okanogan Tonasket 598856 Okanogan Twisp 5


Earthquake Section

ZIP County Location Territory98857 Grant Warden 598858 Douglas Waterville 598859 Okanogan Wauconda 598860 Grant Wilson Creek P.O. Box 598862 Okanogan Winthrop 598901 Yakima Yakima 598902 Yakima Yakima 598903 Yakima Yakima 598904 Yakima Yakima P.O. Box X98907 Yakima Yakima P.O. Box X98908 Yakima Yakima 598909 Yakima Yakima P.O. Box X98920 Yakima Brownstown P.O. Box X98921 Yakima Buena P.O. Box 598922 Kittitas Cle Elum 598923 Yakima Cowiche 598925 Kittitas Easton P.O. Box 598926 Kittitas Ellensburg 598929 Yakima Goose Prairie 598930 Yakima Grandview 598932 Yakima Granger 598933 Yakima Harrah 598934 Kittitas Kittitas P.O. Box 598935 Yakima Mabton 598936 Yakima Moxee 598937 Yakima Naches 598938 Yakima Outlook 598939 Yakima Parker P.O. Box 598940 Kittitas Ronald P.O. Box 598941 Kittitas Roslyn P.O. Box 598942 Yakima Selah 598943 Kittitas South Cle Elum P.O. Box 598944 Yakima Sunnyside 598946 Kittitas Thorp 598947 Yakima Tieton 598948 Yakima Toppenish 598950 Kittitas Vantage P.O. Box 598951 Yakima Wapato 598952 Yakima White Swan 598953 Yakima Zillah 599001 Spokane Airway Heights 599003 Spokane Chattaroy 599004 Spokane Cheney 599005 Spokane Colbert 599006 Spokane Deer Park 599008 Lincoln Edwall 599009 Spokane Elk 599011 Spokane Fairchild AFB 599012 Spokane Fairfield 599013 Stevens Ford 599014 Spokane Four Lakes P.O. Box 5


Earthquake Section

ZIP County Location Territory99015 Spokane Freeman 599016 Spokane Greenacres 599017 Whitman Lamont 599018 Spokane Latah 599019 Spokane Liberty Lake 599020 Spokane Marshall P.O. Box 599021 Spokane Mead 599022 Spokane Medical Lake 599023 Spokane Mica 599025 Spokane Newman Lake 599026 Spokane Nine Mile Falls 599027 Spokane Otis Orchard 599029 Lincoln Reardan 599030 Spokane Rockford 599031 Spokane Spangle 599032 Lincoln Sprague 599033 Whitman Tekoa 599034 Stevens Tumtum P.O. Box 599036 Spokane Valleyford 599037 Spokane Veradale 599039 Spokane Waverly P.O. Box 599040 Stevens Wellpinit 599101 Stevens Addy 599102 Whitman Albion P.O. Box 599103 Lincoln Almira 599104 Whitman Belmont P.O. Box 599105 Adams Benge 599107 Ferry Boyds 599109 Stevens Chewelah 599110 Stevens Clayton 599111 Whitman Colfax 599113 Whitman Colton 599114 Stevens Colville 599115 Grant Coulee City 599116 Okanogan Coulee Dam 599117 Lincoln Creston 599118 Ferry Curlew 599119 Pend Oreille Cusick 599121 Ferry Danville 599122 Lincoln Davenport 599123 Okanogan Electric City 599124 Okanogan Elmer City P.O. Box 599125 Whitman Endicott 599126 Stevens Evans 599127 Whitman Ewan 599128 Whitman Farmington 599129 Stevens Hunters 599130 Whitman Garfield 599131 Stevens Gifford 599133 Grant Grand Coulee 599134 Lincoln Harrington 5


Earthquake Section

ZIP County Location Territory99135 Grant Hartline 599136 Whitman Hay 599137 Stevens Hunters 599138 Ferry Inchelium 599139 Pend Oreille Ione 599140 Ferry Keller 599141 Stevens Kettle Falls 599143 Whitman Lacrosse 599144 Lincoln Odessa 599146 Ferry Laurier P.O. Box 599147 Lincoln Creston 599148 Stevens Loon Lake 599149 Whitman Malden P.O. Box 599150 Ferry Malo 599151 Stevens Marcus P.O. Box 599152 Pend Oreille Metaline P.O. Box 599153 Pend Oreille Metaline Falls 599154 Lincoln Harrington P.O. Box 599155 Okanogan Nespelem P.O. Box 599156 Pend Oreille Newport 599157 Stevens Northport 599158 Whitman Oakesdale 599159 Lincoln Odessa 599160 Ferry Orient P.O. Box 599161 Whitman Palouse 599163 Whitman Pullman 599164 Whitman Pullman R.P.O. 599165 Whitman Pullman P.O. Box X99166 Ferry Republic 599167 Stevens Rice 599169 Adams Ritzville 599170 Whitman Rosalia 599171 Whitman Saint John 599173 Stevens Springdale 599174 Whitman Steptoe P.O. Box 599176 Whitman Thornton 599179 Whitman Uniontown 599180 Pend Oreille Usk 599181 Stevens Valley 599185 Lincoln Wilbur 599201 Spokane Spokane 599202 Spokane Spokane 599203 Spokane Spokane 599204 Spokane Spokane 599205 Spokane Spokane 599206 Spokane Spokane 599207 Spokane Spokane 599208 Spokane Spokane 599209 Spokane Spokane P.O. Box X99210 Spokane Spokane P.O. Box X99211 Spokane Spokane P.O. Box 5


Earthquake Section

ZIP County Location Territory99212 Spokane Spokane 599213 Spokane Spokane P.O. Box X99214 Spokane Spokane P.O. Box X99215 Spokane Spokane P.O. Box X99216 Spokane Spokane 599217 Spokane Spokane 599218 Spokane Spokane 599219 Spokane Spokane P.O. Box X99220 Spokane Spokane P.O. Box X99223 Spokane Spokane 599224 Spokane Spokane 599228 Spokane Spokane P.O. Box X99252 Spokane Spokane R.P.O. 599256 Spokane Spokane R.P.O. 599258 Spokane Spokane 599301 Franklin Pasco 599302 Franklin Pasco P.O. Box X99320 Benton Benton City 599321 Grant Beverly 599322 Klickitat Bickleton 599323 Walla Walla Burbank 599324 Walla Walla College Place 599326 Franklin Connell 599327 Adams Cunningham 599328 Columbia Dyton 599329 Walla Walla Dixie P.O. Box 599330 Franklin Eltopia 599332 Adams Othello P.O. Box 599333 Whitman Hooper P.O. Box 599335 Walla Walla Kahlotus P.O. Box 599336 Benton Kennewick 599337 Benton Kennewick 599338 Benton Kennewick 599341 Adams Lind 599343 Franklin Mesa 599344 Adams Othello 599345 Benton Paterson P.O. Box 599346 Benton Plymouth P.O. Box 599347 Garfield Pomeroy 599348 Walla Walla Prescott 599349 Grant Desert Aire 599350 Benton Prosser 599352 Benton Richland 599353 Benton West Richland 599354 Benton Richland 599356 Klickitat Roosevelt 599357 Grant Royal City 599359 Columbia Starbuck P.O. Box 599360 Walla Walla Touchet 599361 Walla Walla Waitsburg 599362 Walla Walla Walla Walla 5


Earthquake Section

ZIP County Location Territory99363 Walla Walla Wallula P.O. Box 599371 Adams Washtucna 599401 Asotin Anatone 599402 Asotin Asotin 599403 Asotin Clarkston 5


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pl hopl WA Equake 0508 - agents.unigard.com · Earthquake Section Revised - January, 2008 Washington Page 1 Limited Earthquake Index Page Section No. A. - C. Course of Construction