Speedway's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Speedway 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 Speedway sits at the 69th percentile for seismic hazard among 4,875 US cities.

Where Speedway sits in Indiana

The raw figures: peak ground acceleration 0.095g, short-period spectral response 0.186g, 1-second spectral response 0.085g. Among 126 Indiana cities in this dataset, Speedway ranks 38 for seismic hazard, the 70th percentile within the state. About 14,268 people live in Speedway, Indiana.

Retrofit economics for Speedway

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 Speedway address.

More on how this number was built

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