Does Mustang, OK need an earthquake retrofit?

Under the seismic model IBC and ASCE 7 use for new construction, Mustang is Category C. Moderate seismic hazard. Code adds irregular-building restrictions and requires bracing of some nonstructural components (e.g. tall shelving, water heaters) in addition to structural detailing. That puts Mustang in the 78th percentile nationally for seismic hazard - higher than 78% of the 4,875 US cities USGS was checked against here.

How Mustang compares

The raw figures: peak ground acceleration 0.218g, short-period spectral response 0.352g, 1-second spectral response 0.084g. Among 75 Oklahoma cities in this dataset, Mustang ranks 10 for seismic hazard, the 88th percentile within the state. About 23,965 people live in Mustang, Oklahoma.

What a retrofit costs in Mustang

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

More on how this number was built

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