Okay, so I've only had the pleasure of being in three small earthquakes while living in Wisconsin. They were probably no bigger than a 3.0. None of them felt like anything "scratching". The last one I ever experienced sounded like a very heavy set person walking down the hallway. I was kind of freaked out thinking some murderer was in our house, but then I realized it was just an earthquake and went on my merry way.
Since last year, the Norman/Jones, OK area has been seeing a lot more earthquakes. Rather small ones, but still. If I lived in that area, I'd be buying earthquake insurance. But that's just me.