Incorporating the probability of seismic hazard, expected annual earthquake loss with different collapse margin ratio (CMR) has been studied in this paper. Nonlinear simulation models of reinforced concrete (RC) frames were analyzed using incremental dynamic analysis (IDA) under continuous earthquake intensity. The analytic results from four examples of RC frames show that the expected annual loss has negative correlation with theCMRof the concerned structures, and seismic loss basically decreases with increasingCMRat given ground motion intensity. The proposed idea herein could be regarded as a promising improvement on the quantification of earthquake loss estimation by utilizingCMRof structures.