Troy's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Troy in Seismic Design Category C: Moderate seismic hazard. Code adds irregular-building restrictions and requires bracing of some nonstructural components (e.g. tall shelving, water heaters) in addition to structural detailing. Rank it against the rest of the country and Troy sits at the 72th percentile for seismic hazard among 4,875 US cities.

Troy by the numbers

USGS's underlying values for Troy: 0.124g peak ground acceleration, 0.247g at short period, 0.119g at 1 second. Within Missouri alone, Troy ranks 70 of 135 cities by seismic hazard - the 49th percentile in-state. Troy has a population of about 14,963.

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 Missouri 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 Missouri.

Insuring against this, not just retrofitting

A Troy 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 Troy's figures come from

Troy's Category C 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 C does and doesn't tell you about Troy.