Does Krum, TX need an earthquake retrofit?

Under the seismic model IBC and ASCE 7 use for new construction, Krum is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Krum in the 38th percentile nationally for seismic hazard - higher than 38% of the 4,875 US cities USGS was checked against here.

How Krum compares

The raw figures: peak ground acceleration 0.062g, short-period spectral response 0.124g, 1-second spectral response 0.057g. Among 384 Texas cities in this dataset, Krum ranks 35 for seismic hazard, the 91th percentile within the state. About 6,799 people live in Krum, Texas.

Bracing and bolting: the actual cost

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Texas. 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 Krum address.

More on how this number was built

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