McCook, NE: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places McCook in Seismic Design Category A: Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. Nationally, McCook ranks above 13% of the 4,875 cities in this dataset for seismic hazard - the 13th percentile.

Where McCook sits in Nebraska

The raw figures: peak ground acceleration 0.04g, short-period spectral response 0.084g, 1-second spectral response 0.032g. Among 32 Nebraska cities in this dataset, McCook ranks 27 for seismic hazard, the 16th percentile within the state. About 7,212 people live in McCook, Nebraska.

What a retrofit costs in McCook

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

Earthquake insurance for a McCook 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 McCook address.

More on how this number was built

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