Does Novi, MI need an earthquake retrofit?

Under the seismic model IBC and ASCE 7 use for new construction, Novi is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, Novi ranks above 28% of the 4,875 cities in this dataset for seismic hazard - the 28th percentile.

How Novi compares

USGS's underlying values for Novi: 0.047g peak ground acceleration, 0.096g at short period, 0.045g at 1 second. Within Michigan alone, Novi ranks 72 of 153 cities by seismic hazard - the 53th percentile in-state. Novi has a population of about 67,675.

Retrofit economics for Novi

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 Michigan 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 Michigan.

Earthquake insurance for a Novi home

A Novi 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 Novi's figures come from

Novi'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 Novi.