Horace's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Horace in Seismic Design Category A: Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Horace in the 10th percentile nationally for seismic hazard - higher than 10% of the 4,875 US cities USGS was checked against here.

Where Horace sits in North Dakota

USGS's underlying values for Horace: 0.029g peak ground acceleration, 0.06g at short period, 0.02g at 1 second. Within North Dakota alone, Horace ranks 4 of 14 cities by seismic hazard - the 77th percentile in-state. Horace has a population of about 6,286.

What a retrofit costs in Horace

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 North Dakota 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 North Dakota.

Insuring against this, not just retrofitting

A Horace 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 Horace's figures come from

Horace's Category A 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 A does and doesn't tell you about Horace.