Richmond's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Richmond in Seismic Design Category A: Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Richmond in the 11th percentile nationally for seismic hazard - higher than 11% of the 4,875 US cities USGS was checked against here.

Where Richmond sits in Texas

USGS's underlying values for Richmond: 0.031g peak ground acceleration, 0.065g at short period, 0.037g at 1 second. Within Texas alone, Richmond ranks 259 of 384 cities by seismic hazard - the 33th percentile in-state. Richmond has a population of about 13,305.

Retrofit economics for Richmond

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 Texas 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 Texas.

What this means for insurance

A Richmond 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 Richmond's figures come from

Richmond's Category A 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 A does and doesn't tell you about Richmond.