New Albany, IN: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places New Albany in Seismic Design 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. Rank it against the rest of the country and New Albany sits at the 70th percentile for seismic hazard among 4,875 US cities.

New Albany by the numbers

The raw figures: peak ground acceleration 0.1g, short-period spectral response 0.203g, 1-second spectral response 0.1g. Among 126 Indiana cities in this dataset, New Albany ranks 29 for seismic hazard, the 78th percentile within the state. About 37,652 people live in New Albany, Indiana.

Retrofit economics for New Albany

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 New Albany address.

More on how this number was built

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