Taylor Mill, KY: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Taylor Mill is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Taylor Mill in the 47th percentile nationally for seismic hazard - higher than 47% of the 4,875 US cities USGS was checked against here.

Taylor Mill by the numbers

USGS's underlying values for Taylor Mill: 0.073g peak ground acceleration, 0.147g at short period, 0.078g at 1 second. Within Kentucky alone, Taylor Mill ranks 72 of 79 cities by seismic hazard - the 9th percentile in-state. Taylor Mill has a population of about 7,116.

Bracing and bolting: the actual cost

A full earthquake retrofit typically runs $5,000-$10,000 nationally (around $7,000 typical), driven mainly by house size and foundation type, not by Kentucky specifically. California's Earthquake Brace + Bolt grant, which covers a large share of this cost, is a California-only program and does not apply in Kentucky.

What this means for insurance

A Taylor Mill homeowner cannot buy a standalone earthquake policy in most cases - it is added to an existing homeowners policy as an endorsement, so the place to start is a regular home-insurance quote.

Where Taylor Mill's figures come from

Taylor Mill's Category B and every number above trace to USGS's own ASCE 7-16 Design Maps service - see the methodology guide. See the category explainer for what Category B does and doesn't tell you about Taylor Mill.