South Beloit, IL: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, South Beloit is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Rank it against the rest of the country and South Beloit sits at the 29th percentile for seismic hazard among 4,875 US cities.

South Beloit by the numbers

USGS's underlying values for South Beloit: 0.049g peak ground acceleration, 0.098g at short period, 0.056g at 1 second. Within Illinois alone, South Beloit ranks 320 of 330 cities by seismic hazard - the 3th percentile in-state. South Beloit has a population of about 7,983.

What a retrofit costs in South Beloit

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 Illinois 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 Illinois.

What this means for insurance

A South Beloit 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 South Beloit's figures come from

South Beloit'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 South Beloit.