The forces of plate tectonics have shaped the earth over many years, as the huge plates that form the earth’s surface slowly move over, under and past each other. Sometimes, the movement is gradual. At other times, the plates are locked together, unable to release accumulated energy. When the accumulated energy grows strong enough, the plates break free. If the earthquake occurs in a populated area, it can cause many deaths and injuries, as well as extensive property damage. Check out this tool to see your risk of Earthquake based on postal code:
http://iclr.org/homeowners/earthquakerisktool.html