Clearfield, PA: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Clearfield in Seismic Design Category A: Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Clearfield in the 14th percentile nationally for seismic hazard - higher than 14% of the 4,875 US cities USGS was checked against here.

How Clearfield compares

USGS's underlying values for Clearfield: 0.043g peak ground acceleration, 0.09g at short period, 0.038g at 1 second. Within Pennsylvania alone, Clearfield ranks 190 of 193 cities by seismic hazard - the 2th percentile in-state. Clearfield has a population of about 5,794.

Retrofit economics for Clearfield

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 Pennsylvania 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 Pennsylvania.

What this means for insurance

A Clearfield 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 Clearfield's figures come from

Clearfield's Category A 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 A does and doesn't tell you about Clearfield.