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Earthquake Insurance in Kumamoto: Rates and Example Premiums
In Kumamoto, earthquake insurance costs ¥7,300 (Class I) and ¥11,200 (Class Ro) per ¥10 million of cover per year (policies from October 1, 2022).
Example premiums in Kumamoto (building ¥10M + contents ¥5M)
Earthquake cover set at 50% of fire insurance of ¥20M (building) and ¥10M (contents).
| Discount | Ro, 1 year | I, 1 year | Ro, 5 years |
|---|---|---|---|
| No discount | 16,800 | 10,950 | 78,960 |
| Building year 10% | 15,120 | 9,855 | 71,064 |
| Seismic grade 2: 30% | 11,760 | 7,665 | 55,272 |
| Grade 3 / base-isolated 50% | 8,400 | 5,475 | 39,480 |
Prefectures with the same rates: Hokkaido, Aomori, Iwate, Akita, Yamagata, Tochigi, Gunma, Niigata, Toyama, Ishikawa, Fukui, Nagano, Gifu, Shiga, Kyoto, Hyogo, Nara, Tottori, Shimane, Okayama, Hiroshima, Yamaguchi, Fukuoka, Saga, Nagasaki, Oita, Kagoshima
Check hazards at a location in Kumamoto
Choose a municipality to open the map there, then tap the building to see flood, landslide and tsunami zones.
Results on this site are estimates built from Japan's Hazard Map Portal data and published insurance base rates. Disasters can exceed the assumptions. Confirm evacuation and insurance decisions with your municipality's hazard map, your insurer or agent, and professionals.
Sources: Ministry of Finance earthquake insurance base premiums and GIROJ earthquake insurance base rates (filed June 2021, for policies starting on or after October 1, 2022, including discounts and long-term factors) (checked 2026-10-31).