St. Joseph, MI: what USGS's seismic model says

St. Joseph carries Seismic Design Category B under USGS's ASCE 7-16 model. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Nationally, St. Joseph ranks above 30% of the 4,875 cities in this dataset for seismic hazard - the 30th percentile.

Where St. Joseph sits in Michigan

The raw figures: peak ground acceleration 0.05g, short-period spectral response 0.101g, 1-second spectral response 0.056g. Among 153 Michigan cities in this dataset, St. Joseph ranks 52 for seismic hazard, the 66th percentile within the state. About 7,930 people live in St. Joseph, Michigan.

Bracing and bolting: the actual cost

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Michigan. A typical retrofit still runs $5,000-$10,000 nationally, about $7,000 for a common single-family job.

Insuring against this, not just retrofitting

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 St. Joseph address.

More on how this number was built

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