Sherman, TX: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Sherman in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, Sherman ranks above 51% of the 4,875 cities in this dataset for seismic hazard - the 51th percentile.

Sherman by the numbers

USGS's underlying values for Sherman: 0.083g peak ground acceleration, 0.159g at short period, 0.065g at 1 second. Within Texas alone, Sherman ranks 16 of 384 cities by seismic hazard - the 96th percentile in-state. Sherman has a population of about 50,229.

What a retrofit costs in Sherman

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.

Insuring against this, not just retrofitting

A Sherman 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 Sherman's figures come from

Sherman'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 Sherman.