1. An earthquake occurs when built-up tension along fault lines in the Earth's crust is suddenly released, causing the ground to shake. 2. The effects of an earthquake depend on several factors, including its magnitude on the Richter scale, distance from the epicenter, and the level of development in the affected area. 3. The 1995 Kobe earthquake in Japan caused over 30,000 injuries, left over 300,000 homeless as buildings collapsed, and led to long-term economic and social impacts as the city was rebuilt.