Franklin, IN: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Franklin is Category C. Moderate seismic hazard. Code adds irregular-building restrictions and requires bracing of some nonstructural components (e.g. tall shelving, water heaters) in addition to structural detailing. Nationally, Franklin ranks above 71% of the 4,875 cities in this dataset for seismic hazard - the 71th percentile.

Where Franklin sits in Indiana

USGS's underlying values for Franklin: 0.107g peak ground acceleration, 0.204g at short period, 0.089g at 1 second. Within Indiana alone, Franklin ranks 21 of 126 cities by seismic hazard - the 84th percentile in-state. Franklin has a population of about 26,158.

Retrofit economics for Franklin

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 Indiana 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 Indiana.

Insuring against this, not just retrofitting

A Franklin 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 Franklin's figures come from

Franklin's Category C 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 C does and doesn't tell you about Franklin.