The only local earthquake activity I've heard about was in Lorca a couple of years ago and we've been here since 2010.
Not sure about the Community Insurance as all I've been told is that it covers buildings only, but I've not seen the detailed inclusions and exclusions.
I've taken out my own insurance because I enquired about taking out Reortalia's contents insurance it wasn't much different to what I was paying for full building and contents insurance. I've just checkd my insurance and it does cover earthquakes.
Dave
Apartment 2852