Does Monticello, IN need an earthquake retrofit?

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Monticello in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, Monticello ranks above 36% of the 4,875 cities in this dataset for seismic hazard - the 36th percentile.

Where Monticello sits in Indiana

The raw figures: peak ground acceleration 0.059g, short-period spectral response 0.124g, 1-second spectral response 0.074g. Among 126 Indiana cities in this dataset, Monticello ranks 97 for seismic hazard, the 23th percentile within the state. About 5,519 people live in Monticello, Indiana.

What a retrofit costs in Monticello

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Indiana. 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 Monticello address.

More on how this number was built

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