Does Dayton, KY need an earthquake retrofit?

Dayton carries Seismic Design Category B under USGS's ASCE 7-16 model. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, Dayton ranks above 46% of the 4,875 cities in this dataset for seismic hazard - the 46th percentile.

Dayton by the numbers

The raw figures: peak ground acceleration 0.072g, short-period spectral response 0.145g, 1-second spectral response 0.077g. Among 79 Kentucky cities in this dataset, Dayton ranks 78 for seismic hazard, the 1th percentile within the state. About 5,854 people live in Dayton, Kentucky.

Bracing and bolting: the actual cost

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

What this means for insurance

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 Dayton address.

More on how this number was built

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