Kearney's Seismic Design Category, explained

Under the seismic model IBC and ASCE 7 use for new construction, Kearney is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, Kearney ranks above 25% of the 4,875 cities in this dataset for seismic hazard - the 25th percentile.

Where Kearney sits in Missouri

The raw figures: peak ground acceleration 0.044g, short-period spectral response 0.093g, 1-second spectral response 0.069g. Among 135 Missouri cities in this dataset, Kearney ranks 127 for seismic hazard, the 6th percentile within the state. About 11,215 people live in Kearney, Missouri.

Retrofit economics for Kearney

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

Earthquake insurance for a Kearney home

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 Kearney address.

More on how this number was built

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