Henderson, KY: what USGS's seismic model says

Henderson carries Seismic Design Category D under USGS's ASCE 7-16 model. High seismic hazard - this is the category most of coastal California, the Pacific Northwest, and other active fault regions fall into. Code mandates significant seismic detailing and restricts irregular structural configurations. This is the category the Brace + Bolt scope (cripple-wall bracing, foundation bolting) is built for. Rank it against the rest of the country and Henderson sits at the 85th percentile for seismic hazard among 4,875 US cities.

Henderson by the numbers

USGS's underlying values for Henderson: 0.31g peak ground acceleration, 0.533g at short period, 0.184g at 1 second. Within Kentucky alone, Henderson ranks 5 of 79 cities by seismic hazard - the 95th percentile in-state. Henderson has a population of about 27,750.

What a retrofit costs in Henderson

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 Kentucky 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 Kentucky.

What this means for insurance

A Henderson 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 Henderson's figures come from

Henderson's Category D 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 D does and doesn't tell you about Henderson.