Does McFarland, WI need an earthquake retrofit?

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places McFarland in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts McFarland in the 19th percentile nationally for seismic hazard - higher than 19% of the 4,875 US cities USGS was checked against here.

Where McFarland sits in Wisconsin

USGS's underlying values for McFarland: 0.037g peak ground acceleration, 0.076g at short period, 0.049g at 1 second. Within Wisconsin alone, McFarland ranks 45 of 157 cities by seismic hazard - the 72th percentile in-state. McFarland has a population of about 9,224.

Retrofit economics for McFarland

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 Wisconsin 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 Wisconsin.

Earthquake insurance for a McFarland home

A McFarland 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 McFarland's figures come from

McFarland's Category B 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 B does and doesn't tell you about McFarland.