This case study highlights how the California Earthquake Authority is working to build a more resilient residential earthquake insurance market in California. Based in Sacramento, the public sector insurer covers over one million policyholders with claims‑paying capacity of about $19 billion. With residential earthquake insurance take‑up at only around 10 percent, the CEA aims to reduce the protection gap by mitigating risk and encouraging preparedness. Using Moody’s North America Earthquake Model, the organization improves risk understanding and program design. Initiatives such as the Earthquake Brace and Bolt Program help homeowners strengthen properties, reduce potential damage, and support long‑term market stability.

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