Does Winona, MN need an earthquake retrofit?

Winona carries Seismic Design Category A under USGS's ASCE 7-16 model. Lowest seismic design category. Building code requires no seismic-specific detailing here beyond ordinary construction practice. That puts Winona in the 5th percentile nationally for seismic hazard - higher than 5% of the 4,875 US cities USGS was checked against here.

Where Winona sits in Minnesota

The raw figures: peak ground acceleration 0.023g, short-period spectral response 0.049g, 1-second spectral response 0.037g. Among 155 Minnesota cities in this dataset, Winona ranks 60 for seismic hazard, the 62th percentile within the state. About 26,173 people live in Winona, Minnesota.

Retrofit economics for Winona

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

More on how this number was built

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