Stewartville's Seismic Design Category, explained

Stewartville carries Seismic Design Category A under USGS's ASCE 7-16 model. Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Stewartville in the 5th percentile nationally for seismic hazard - higher than 5% of the 4,875 US cities USGS was checked against here.

Where Stewartville sits in Minnesota

The raw figures: peak ground acceleration 0.023g, short-period spectral response 0.048g, 1-second spectral response 0.037g. Among 155 Minnesota cities in this dataset, Stewartville ranks 87 for seismic hazard, the 44th percentile within the state. About 6,919 people live in Stewartville, Minnesota.

What a retrofit costs in Stewartville

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

More on how this number was built

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