Lafayette, TN: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Lafayette is Category C. Moderate seismic hazard. Code adds irregular-building restrictions and requires bracing of some nonstructural components (e.g. tall shelving, water heaters) in addition to structural detailing. Rank it against the rest of the country and Lafayette sits at the 70th percentile for seismic hazard among 4,875 US cities.

Where Lafayette sits in Tennessee

The raw figures: peak ground acceleration 0.103g, short-period spectral response 0.215g, 1-second spectral response 0.116g. Among 104 Tennessee cities in this dataset, Lafayette ranks 104 for seismic hazard, the 0th percentile within the state. About 5,919 people live in Lafayette, Tennessee.

Retrofit economics for Lafayette

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

What this means for insurance

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 Lafayette address.

More on how this number was built

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