ABSTRACT This article examines the moderated mediation role of trust in authorities in the direct and indirect effects of earthquake exposure on psychological distress symptoms (depressive, anxiety and stress symptoms) through somatic fear (sleep loss and increased heart rates). Convenience and snowball sampling methods were used to collect survey data from 552 adult participants (221 men, 331 women) living in the earthquake zone. The independent variable is earthquake exposure, the mediating variable is somatic fear, and the moderating variable is trust in authorities (emergency plans and strategies, government policies, and media information). Factor analysis using structural equation modelling confirmed one factor for fear of earthquake and trust in authorities and three factors for symptoms of psychological distress. Regression results showed that disaster survivors had low trust in authorities in Turkiye. Mediation and moderated mediation results based on the bootstrap method showed that somatic fear mediated the effect of earthquake exposure on depressive symptoms, anxiety symptoms and stress symptoms, and trust in authorities moderated the indirect effects of earthquake exposure on stress symptoms through somatic fear. Increased trust in authorities in Turkiye would alleviate psychological distress symptoms among the Kahramanmaras earthquake survivors.