Does Crookston, MN need an earthquake retrofit?

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Crookston in Seismic Design Category A: Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Crookston in the 3th percentile nationally for seismic hazard - higher than 3% of the 4,875 US cities USGS was checked against here.

How Crookston compares

The raw figures: peak ground acceleration 0.022g, short-period spectral response 0.047g, 1-second spectral response 0.017g. Among 155 Minnesota cities in this dataset, Crookston ranks 135 for seismic hazard, the 13th percentile within the state. About 7,269 people live in Crookston, Minnesota.

What a retrofit costs in Crookston

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

Earthquake insurance for a Crookston home

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 Crookston address.

More on how this number was built

The methodology guide covers exactly how USGS's public design-maps API produced Crookston'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.