Willoughby's Seismic Design Category, explained

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Willoughby in Seismic Design Category B: Low seismic hazard. Code requires basic seismic detailing (bracing, connections) but no special structural system restrictions. Rank it against the rest of the country and Willoughby sits at the 52th percentile for seismic hazard among 4,875 US cities.

How Willoughby compares

The raw figures: peak ground acceleration 0.086g, short-period spectral response 0.157g, 1-second spectral response 0.049g. Among 254 Ohio cities in this dataset, Willoughby ranks 22 for seismic hazard, the 92th percentile within the state. About 24,208 people live in Willoughby, Ohio.

Bracing and bolting: the actual cost

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Ohio. A typical retrofit still runs $5,000-$10,000 nationally, about $7,000 for a common single-family job.

Insuring against this, not just retrofitting

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 Willoughby address.

More on how this number was built

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