There are many strong earthquakes happened around the world such as the Northridge earthquake in California, the Jiji earthquake in Taiwan, the Indian Ocean earthquake in South Asia, the Sichuan earthquake in China etc.. There is no obvious precursor as the technology now still unable to anticipate the scope, time and place of the earthquake accurately. Especially the result of the industrialization, public construction is undergoing and tech industry bristly in separate area and the urbanization centralized the population distribution. If the earthquake happens in urban area, it may cause the serious lives and properties lose. Therefore, how to improve the risk management, separate earthquake insurance fund and even transfer the risks that cause by the earthquake are the important issues in this research.