Leaning out of the ground-floor window of her home on a quiet street in suburban Istanbul, Aylin Yilmaz knows the house she has shared with her husband and two children for the past 20 years could easily be destroyed by an earthquake.

Scientists have long predicted that Bagcilar District, where Yilmaz lives, would suffer some of the highest rates of casualties and building damage if a major earthquake hits Turkey鈥檚 largest city.

But, her family cannot afford to make the structural changes that would keep their house standing through a massive seismic event and the government has offered no help, said Yilmaz, whose name has been changed to protect her identity.

鈥淲hat can I do about it if there is an earthquake? I can鈥檛 do anything. I鈥檓 just sitting here. So if I die or not, it鈥檚 up to God,鈥� she said.

Following a magnitude-6.9 earthquake that destroyed or heavily damaged more than 340 buildings and killed 115 people in the city of Izmir in October, scientists are sounding the alarm over how much damage Istanbul could sustain in the next big earthquake.

Pointing to the dangers of unregulated construction and old building stock, they warn that the government urgently needs to act on the city鈥檚 earthquake preparedness plans to reduce the risk of mass casualties.

鈥淲e have the rules, recommendations and a road map,鈥� said Haluk Eyidogan, an expert in seismology engineering and member of the Chamber of Geophysical Engineers of Turkey, a nonprofit organization.

鈥淲e have to (start) immediately to make a disaster-resilient society and system,鈥� he said.

Earthquake researchers predict there is a 95 percent chance that an earthquake of magnitude 7.0 or stronger will strike the city within the next 70 years.

An earthquake of that strength would heavily damage or destroy an estimated 194,000 buildings, according to the latest version of Istanbul鈥檚 Earthquake Master Plan published in 2018. That would leave more than 10 percent of Istanbul鈥檚 15 million residents homeless, said Eyidogan.

Much of the risk comes from the rapid, largely unregulated development carried out as the city struggled to accommodate all of the people migrating from the Anatolia Region to find work in the financial capital over the past 15 years, he explained.

The head of the municipality鈥檚 Earthquake Risk Management Department, Tayfun Kahraman, said that the city now places more emphasis on stopping uncontrolled construction.

鈥淎s we do not believe that building regulations were applied correctly in Istanbul in the past, we have increased risk avoidance efforts by 2020, both in terms of legal tools and implementation,鈥� he said.

In the rush to house the city鈥檚 growing population, many construction projects 鈥� such as adding floors onto existing buildings 鈥� are unplanned and skirt building standards, said Dogan Kalafat of the Kandilli Observatory and Earthquake Research Institute.

Hoping to tackle the wave of illegal construction, the government launched a building amnesty in February 2019, which received applications from 7.4 million illegal structures.

Istanbul has had an Earthquake Master Plan since 2003, outlining emergency response, preparedness and recovery procedures for the metropolis.

When asked what action has been taken since the report鈥檚 2018 update to prepare Istanbul鈥檚 buildings for a major earthquake, Kahraman set out a 14-point outline.

The list includes public workshops, warning systems, loss estimate booklets for all of Istanbul鈥檚 39 districts and the creation of a tsunami action plan, as well as commitments to complete further studies and maps.

Kahraman confirmed that no buildings have been reinforced or rebuilt according to earthquake-resistant standards set out in the master plan.

He said the municipality is still carrying out assessments of buildings, with the aim of eventually making a 鈥渞isk ranking鈥� of 790,000 buildings.

鈥淚f strengthening the structures is determined to be a practical intervention, then this will be offered as a solution, and for the structures whose needs are beyond strengthening, (reconstruction) will be offered,鈥� Kahraman said.

The last time Istanbul felt the effects of a massive earthquake was in 1999, when a magnitude-7.4 earthquake in the city of Izmit killed more than 17,000 people.

The shocks reached Istanbul, 100 kilometers away, causing severe damage.

Since then, Istanbul has seen rapid development, with several urban transformation projects, mass housing construction and the building of high-rises 鈥� there are now 1.16 million buildings in Istanbul, according to the 2018 master plan.

Kalafat argued there is not enough time to assess all the buildings one-by-one before deciding on which to renovate or rebuild.

鈥淚t will be fastest and most realistic to rebuild risky structures in an earthquake-resistant manner by using existing (housing) information,鈥� he said.

He recommended that the government start with buildings already known to be unstable and rebuild them using earthquake-resistant design elements such as high-quality concrete and iron reinforcements.

In Istanbul鈥檚 first Earthquake Master Plan, the district of Zeytinburnu was chosen as a pilot area.

It is considered one of the city鈥檚 most vulnerable districts because it flanks the Marmara Sea, which lies over a section of the North Anatolian Fault Zone, one of the most active fault lines in the world.

Among other recommendations, the plan said buildings in Zeytinburnu should be structurally strengthened and highlighted the need for the government to set up emergency shelters in the area and prepare for the loss of vital infrastructure. But, none of that has happened, said Eyidogan, the engineer.

鈥�(The plan) was just left on the shelf, no one touched it,鈥� he said.

Eyidogan pointed to several high-rise buildings that went up in Zeytinburnu two years ago.

鈥�(The government) constructed these just for high-income people to watch the Marmara Sea. And what happens to the low-income people? They stay in their (unsafe) buildings,鈥� he said.

At her home in Bagcilar, Yilmaz said the government has passed the responsibility of checking buildings for earthquake resilience to the homeowners.

The trouble is, she said, this requires the agreement of all neighbors in the building. 鈥淲e can鈥檛 even paint the building because the other neighbors can鈥檛 agree, they can鈥檛 afford it, or they don鈥檛 want it,鈥� she said. 鈥淪o, how can we check the building?鈥�