Garwood, NJ: what USGS's seismic model says

Garwood 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, Garwood ranks above 63% of the 4,875 cities in this dataset for seismic hazard - the 63th percentile.

How Garwood compares

The raw figures: peak ground acceleration 0.168g, short-period spectral response 0.276g, 1-second spectral response 0.058g. Among 194 New Jersey cities in this dataset, Garwood ranks 88 for seismic hazard, the 55th percentile within the state. About 5,346 people live in Garwood, New Jersey.

Bracing and bolting: the actual cost

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

Insuring against this, not just retrofitting

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 Garwood address.

More on how this number was built

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