Answer
Uruguay is not a highly seismic country and lies far from the main subduction zone on South America’s Pacific margin. Strong, destructive earthquakes are far less likely than in Chile or Peru. However, it is too categorical to say earthquakes “never happen”: weak regional events are possible.
Everyday natural risks are more often linked to strong winds, thunderstorms, heavy rain, local flooding, heat and coastal weather. Conditions depend on the department and the specific site, so check a home’s drainage, roof condition and window protection.
When choosing property, consult the official risk map and the area’s history. Base insurance and an emergency plan on the most likely local hazards, without ignoring general guidance for a rare seismic event.