Fanwood's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Fanwood in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Fanwood in the 63th percentile nationally for seismic hazard - higher than 63% of the 4,875 US cities USGS was checked against here.

Fanwood by the numbers

USGS's underlying values for Fanwood: 0.165g peak ground acceleration, 0.271g at short period, 0.058g at 1 second. Within New Jersey alone, Fanwood ranks 97 of 194 cities by seismic hazard - the 50th percentile in-state. Fanwood has a population of about 7,968.

Retrofit economics for Fanwood

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 New Jersey 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 New Jersey.

Insuring against this, not just retrofitting

A Fanwood 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 Fanwood's figures come from

Fanwood's Category B 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 B does and doesn't tell you about Fanwood.