Earthquake · Checklist · Reviewed July 14, 2026
Earthquake retrofit home check
Older houses have known weak points. Check the short list, from crawl space to water heater, and keep the proof for the insurer.
The short version
Match the retrofit to the weak part of the home
A pre-1980 wood house with a raised foundation may need foundation bolts and plywood bracing at short crawl-space walls. A home with living space over a wide garage opening, meanwhile, has a soft-story problem. A mobilehome, a chimney, a water heater, and tall furniture each need a different fix.
What changes the answer: Earthquake Brace + Bolt can provide up to $3,000 for a qualifying raised-foundation retrofit, with added income-based help when funds are available. Program approval must come before work starts.
A quake map shows where shaking can happen. This check asks how the home is built. Start with the age, crawl space, garage, and base. Then call the local building office.
How it works
Raised-foundation homes use brace and bolt
Earthquake Brace + Bolt targets wood-framed homes built before 1980 with a raised foundation or crawl space. Bolts connect the wood frame to the foundation. Plywood braces short cripple walls when those walls are present. The work helps keep the house from sliding or toppling off its base.
A slab-on-grade home, hillside home, post-and-pier base, unreinforced masonry foundation, room over a garage, or major addition can need a different design. The year and crawl space are screening clues, not a final scope. Have the permit office or a qualified professional identify the real foundation.
Soft story means a weak open level
A soft-story home often has rooms above a garage with a wide door and too little wall support below. CRMP has one program for some single-family homes built before 2000. It has another for some buildings built before 1991 with 5 to 10 units over open parking.
These are grant groups. They are not a statewide order to fix every home that fits. Los Angeles, San Francisco, and some other cities have local rules for named building types. Use the city address search and any notice sent to the owner. Age alone is not enough.
The main EBB grant is up to $3,000
When sign-up is open, a home that fits can seek up to $3,000 from EBB for a code-ready fix. The current extra grant can add up to $7,000 for some brace-and-bolt jobs in Northern California. The amount can change by job and area.
The current income cap for the extra help is $94,480 per household. Funds, ZIP codes, owner rules, flood rules, and the way homes are picked can change with each round. Check the live program page before you put a grant in the budget.
Grant approval comes before the permit and work
Do not start an EBB job before the program accepts the home. The program uses an online file, a building permit, photos from before the work, approved plans, and proof after the work. Starting too soon or missing a required photo can cost the grant even when the work is sound.
Get the local permit and a written work list. Check the contractor's active license type, bond, and workers' comp record. A hill, basement, bad base, added room, or odd short wall may need an engineer instead of the standard plan.
A completed retrofit can lower earthquake premium
CEA gives a safety discount of up to 25 percent to some older homes that meet its build and retrofit rules. Its current table gives 20 percent to a raised-foundation home built from 1940 through 1979. It gives 25 percent when that type of home was built in 1939 or earlier.
Other approved base types that are not slabs can get 10 or 15 percent. The home usually must have one to four units, a wood frame, and a build date before 1980. It must have the right retrofit and a tied-down water heater. Send the form and proof before counting the savings.
The water heater has its own statewide rule
California says new, old, and replacement home water heaters of up to 120 gallons must be braced, tied, or strapped. The setup must stop a fall or side-to-side move under the Plumbing Code. A seller must tell the buyer in writing that the heater follows the rule.
The state home guide says to look for two sets of straps around the tank and into wall studs. A tankless heater must be fixed to the wall. Its pipes must follow the maker's guide. A bendable gas line, access to the shutoff, and local code still matter.
Small falling hazards deserve their own pass
Foundation work does not secure a brick chimney, cabinet, bookcase, television, ceiling fixture, gas appliance, or tall water heater. Walk room by room. Move heavy objects away from beds and exits, fasten tall furniture to studs, latch cabinets, and use approved flexible connections where required.
A retrofit reduces one or more failure paths. It does not make the home earthquake-proof, replace earthquake insurance, or change the mapped soil under the parcel. Keep permits, plans, photos, invoices, grant records, and insurance forms together for a future sale or claim.
First moves
- 1
Find the year built. Look for a crawl space, garage under the home, chimney, or mobilehome brace.
- 2
If the home is wood framed, older than 1980, and raised off the ground, check Earthquake Brace + Bolt.
- 3
If living space sits over a wide garage door or tuck-under parking, check the soft-story lane instead of assuming brace-and-bolt fits.
- 4
Ask if the frame is bolted to the base.
- 5
Ask if the short walls in the crawl space are braced.
- 6
Check water heater straps, chimney risk, and tall things that could fall.
- 7
Ask the local building office if a permit or soft-story rule applies.
- 8
Before hiring, check the license. Ask for a written job list, photos, permit plan, and proof for insurance.
Watch for
- 1
A retrofit can help. It does not make the home quake-proof.
- 2
Brace-and-bolt does not fit every home. Slab, hill, pier, garage-under-home, condo, mobilehome, and apartment buildings can need other help.
- 3
Some cities have mandatory retrofit rules for older soft-story or concrete buildings.
- 4
Grants open and close. ZIP codes and income rules can change.
- 5
The current EBB grant is up to $3,000. Published supplemental help varies by region and work, with up to $7,000 for some brace-and-bolt jobs.
- 6
Insurance discounts may need a form, inspection, or program number.
- 7
Chimneys, gas lines, water heaters, cabinets, and tall furniture are separate jobs.
- 8
Be careful with a cheap quote that skips permits or engineering.
Official sources
Where to confirm this
Use the source that matches the step you are on. Current forms, fees, deadlines, and agency decisions can change after this page is reviewed.
Use this as a map. It does not decide your rights, tell you what to file, or say someone broke the law. If a deadline, denial, eviction, firing, injury, tax bill, permit fight, or insurance dispute is on the line, use the official source or a licensed professional.