Westfield, IN: what USGS's seismic model says

Under the seismic model IBC and ASCE 7 use for new construction, Westfield is Category B. Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. That puts Westfield in the 51th percentile nationally for seismic hazard - higher than 51% of the 4,875 US cities USGS was checked against here.

Where Westfield sits in Indiana

USGS's underlying values for Westfield: 0.081g peak ground acceleration, 0.162g at short period, 0.08g at 1 second. Within Indiana alone, Westfield ranks 56 of 126 cities by seismic hazard - the 56th percentile in-state. Westfield has a population of about 62,994.

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 Indiana 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 Indiana.

What this means for insurance

A Westfield 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 Westfield's figures come from

Westfield'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 Westfield.