Stephenville, TX: what USGS's seismic model says

Stephenville 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. That puts Stephenville in the 17th percentile nationally for seismic hazard - higher than 17% of the 4,875 US cities USGS was checked against here.

Stephenville by the numbers

The raw figures: peak ground acceleration 0.032g, short-period spectral response 0.069g, 1-second spectral response 0.042g. Among 384 Texas cities in this dataset, Stephenville ranks 195 for seismic hazard, the 49th percentile within the state. About 22,147 people live in Stephenville, Texas.

Bracing and bolting: the actual cost

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Texas. 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 Stephenville address.

More on how this number was built

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