Taylor, MI: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Taylor in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Taylor in the 33th percentile nationally for seismic hazard - higher than 33% of the 4,875 US cities USGS was checked against here.

How Taylor compares

The raw figures: peak ground acceleration 0.054g, short-period spectral response 0.107g, 1-second spectral response 0.047g. Among 153 Michigan cities in this dataset, Taylor ranks 25 for seismic hazard, the 84th percentile within the state. About 61,544 people live in Taylor, Michigan.

What a retrofit costs in Taylor

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.

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 Taylor address.

More on how this number was built

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