Clarksville, TN: what USGS's seismic model says

Clarksville carries Seismic Design Category D under USGS's ASCE 7-16 model. High seismic hazard - this is the category most of coastal California, the Pacific Northwest, and other active fault regions fall into. Code mandates significant seismic detailing and restricts irregular structural configurations. This is the category the Brace + Bolt scope (cripple-wall bracing, foundation bolting) is built for. That puts Clarksville in the 82th percentile nationally for seismic hazard - higher than 82% of the 4,875 US cities USGS was checked against here.

How Clarksville compares

USGS's underlying values for Clarksville: 0.206g peak ground acceleration, 0.4g at short period, 0.177g at 1 second. Within Tennessee alone, Clarksville ranks 37 of 104 cities by seismic hazard - the 65th percentile in-state. Clarksville has a population of about 185,690.

Bracing and bolting: the actual cost

A full earthquake retrofit typically runs $5,000-$10,000 nationally (around $7,000 typical), driven mainly by house size and foundation type, not by Tennessee specifically. California's Earthquake Brace + Bolt grant, which covers a large share of this cost, is a California-only program and does not apply in Tennessee.

What this means for insurance

A Clarksville homeowner cannot buy a standalone earthquake policy in most cases - it is added to an existing homeowners policy as an endorsement, so the place to start is a regular home-insurance quote.

Where Clarksville's figures come from

Clarksville's Category D and every number above trace to USGS's own ASCE 7-16 Design Maps service - see the methodology guide. See the category explainer for what Category D does and doesn't tell you about Clarksville.