Moberly, MO: what USGS's seismic model says

Moberly carries Seismic Design Category B under USGS's ASCE 7-16 model. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Moberly in the 39th percentile nationally for seismic hazard - higher than 39% of the 4,875 US cities USGS was checked against here.

Moberly by the numbers

USGS's underlying values for Moberly: 0.062g peak ground acceleration, 0.133g at short period, 0.083g at 1 second. Within Missouri alone, Moberly ranks 97 of 135 cities by seismic hazard - the 28th percentile in-state. Moberly has a population of about 13,337.

What a retrofit costs in Moberly

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 Missouri 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 Missouri.

What this means for insurance

A Moberly 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 Moberly's figures come from

Moberly'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 Moberly.