Monterey's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Monterey in Seismic Design Category D: High seismic hazard - this is the category most of coastal California, the Pacific Northwest, and other active fault regions fall into. Code mandates significant seismic detailing and restricts irregular structural configurations. This is the category the Brace + Bolt scope (cripple-wall bracing, foundation bolting) is built for. Nationally, Monterey ranks above 92% of the 4,875 cities in this dataset for seismic hazard - the 92th percentile.

Where Monterey sits in California

The raw figures: peak ground acceleration 0.576g, short-period spectral response 1.335g, 1-second spectral response 0.497g. Among 429 California cities in this dataset, Monterey ranks 261 for seismic hazard, the 39th percentile within the state. About 29,015 people live in Monterey, California.

Bracing and bolting: the actual cost

Because Monterey is in California, the EBB grant applies if the ZIP code participates and the house qualifies (wood-framed house on a raised (not slab-on-grade) foundation, built before 1980): a $3,000-$7,000 bracing-and-bolting job drops to $0-$4,000 after the $3,000 base grant, or effectively free for income-eligible households getting the full $10,000.

Earthquake insurance for a Monterey home

Earthquake coverage in California mostly runs through the California Earthquake Authority (CEA), sold only through licensed agents at CEA-participating insurers - there is no direct-to-consumer CEA policy. A general home-insurance quote is the practical starting point for a Monterey homeowner asking about it.

More on how this number was built

The methodology guide covers exactly how USGS's public design-maps API produced Monterey's numbers. The retrofit cost and grant guide covers every EBB eligibility rule, including the ones this page can't check.