Cloquet, MN: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Cloquet is Category A. Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. Rank it against the rest of the country and Cloquet sits at the 1th percentile for seismic hazard among 4,875 US cities.

How Cloquet compares

USGS's underlying values for Cloquet: 0.019g peak ground acceleration, 0.042g at short period, 0.016g at 1 second. Within Minnesota alone, Cloquet ranks 152 of 155 cities by seismic hazard - the 2th percentile in-state. Cloquet has a population of about 12,475.

What a retrofit costs in Cloquet

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 Minnesota 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 Minnesota.

What this means for insurance

A Cloquet 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 Cloquet's figures come from

Cloquet'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 Cloquet.