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Motivating property owners to mitigate seismic risks for existing buildings is a major challenge for many earthquake-prone regions. This article identifies primary factors that may affect the adoption of seismic retrofit by owners of commercial and residential buildings, assesses the influence of economic, social, regulatory, and individual factors on retrofit implementation in three California cities, and discusses potential approaches to promoting seismic retrofits. Data for three retrofit programs are utilized to create predictive models for retrofit probability. The results suggest that retrofit probability for multifamily residential buildings may increase with building height, median housing value, educational attainment, and population density in the neighborhood, but may decrease with building age, building size, land value, and housing vacancy rate in the neighborhood. The retrofit decision for commercial buildings is strongly correlated with the number of stories and rooms, land value, vacancy rate, and population density, while the retrofit decision for residential buildings is highly associated with building age, number of rooms, land value, median housing value, median contract rent, and educational attainment. Overall, promoting seismic retrofits requires careful consideration of different motivators and impediments to owner’s retrofit actions for commercial and residential buildings, and for older, taller, larger buildings, which tend to be more vulnerable but are associated with higher retrofit costs. In addition, neighborhood characteristics including median housing value and vacancy rate may be strong indicators of the retrofit probability among building clusters.

In the wake of the COVID-19 pandemic small businesses made headlines as hard hit by customer losses, revenue declines, and business closures. Yet, the impacts have been felt disproportionately by small businesses that suffered interruption due to pre-existing socioeconomic stressors and/or concurrent natural hazards experienced during the pandemic. To illuminate those compound impacts, we conducted a survey of over 1350 U S.-based small businesses. Our findings indicate that those businesses that experienced concurrent natural hazards during the pandemic were associated with relatively greater negative impacts. But importantly, enterprises that are historically underrepresented group operated (HUGO)-minority, women, and veteran-operated businesses- saw largely amplified negative impacts from COVID-19. In terms of the magnitude of COVID-19 impacts, the effect size of belonging to HUGO was more than twice as large as the effect size of experiencing a concurrent natural hazard during the pandemic. These results provide evidence for the disproportionate impacts that HUGOs face due to the pandemic, which are exacerbated when compounded by natural hazards. Given these results, there is evidence that the opportunity gap between HUGO and non-HUGO businesses is significant ahead of additional stressors or shocks. This opportunity gap is further accelerated when compounded with other events, here the compounding of natural hazards and COVID-19. Additional interventions need to be offered to HUGO businesses in areas with high likelihood of overlapping incidents. Further work is required to address social inequity and economic fragility of HUGO businesses, especially those that face the complexity of additional shocks, such as natural hazards.