Cadillac, MI: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Cadillac is Category A. Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Cadillac in the 8th percentile nationally for seismic hazard - higher than 8% of the 4,875 US cities USGS was checked against here.

How Cadillac compares

The raw figures: peak ground acceleration 0.026g, short-period spectral response 0.055g, 1-second spectral response 0.036g. Among 153 Michigan cities in this dataset, Cadillac ranks 141 for seismic hazard, the 8th percentile within the state. About 10,521 people live in Cadillac, Michigan.

What a retrofit costs in Cadillac

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Michigan. A typical retrofit still runs $5,000-$10,000 nationally, about $7,000 for a common single-family job.

Insuring against this, not just retrofitting

Outside California, earthquake coverage is typically sold as an endorsement added to a standard homeowners policy, not a separate product - worth asking about directly when getting a home-insurance quote for a Cadillac address.

More on how this number was built

The methodology guide covers exactly how USGS's public design-maps API produced Cadillac's numbers. The guide to what a Seismic Design Category actually means covers why a category is never a substitute for an engineer's assessment of one specific house.