Wilmore, KY: what USGS's seismic model says

USGS's ASCE 7-16 seismic design model - the same standard building codes use - places Wilmore 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. Nationally, Wilmore ranks above 68% of the 4,875 cities in this dataset for seismic hazard - the 68th percentile.

How Wilmore compares

The raw figures: peak ground acceleration 0.081g, short-period spectral response 0.167g, 1-second spectral response 0.085g. Among 79 Kentucky cities in this dataset, Wilmore ranks 44 for seismic hazard, the 45th percentile within the state. About 6,268 people live in Wilmore, Kentucky.

Bracing and bolting: the actual cost

Outside California, no state-level retrofit grant equivalent to Brace + Bolt could be found for Kentucky. 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 Wilmore address.

More on how this number was built

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