On 22 March 2020, Zagreb was struck by an M5.5 earthquake that had been expected for more than 100 years and revealed all the failures in the construction of residential buildings in the Croatian capital, especially those built in the first half of the 20th century. Because of that, extensive seismological, geological, geodetic and structural engineering surveys were conducted immediately after the main shock. This study provides descriptions of damage, specifying the building performances and their correlation with the local soil characteristics, i.e., seismic motion amplification. Co-seismic vertical ground displacement was estimated, and the most affected area is identified according to Sentinel-1 interferometric wide-swath data. Finally, preliminary 3D structural modeling of the earthquake sequence was performed, and two major faults were modeled using inverse distance weight (IDW) interpolation of the grouped hypocenters. The first-order assessment of seismic amplification (due to site conditions) in the Zagreb area for the M5.5 earthquake shows that ground motions of approximately 0.16–0.19 g were amplified at least twice. The observed co-seismic deformation (based on Sentinel-1A IW SLC images) implies an approximately 3 cm uplift of the epicentral area that covers approximately 20 km². Based on the preliminary spatial and temporal analyses of the Zagreb 2020 earthquake sequence, the main shock and the first aftershocks evidently occurred in the subsurface of the Medvednica Mountains along a deep-seated southeast-dipping thrust fault, recognized as the primary (master) fault. The co-seismic rupture propagated along the thrust towards northwest during the first half-hour of the earthquake sequence, which can be clearly seen from the time-lapse visualization. The preliminary results strongly support one of the debated models of the active tectonic setting of the Medvednica Mountains and will contribute to a better assessment of the seismic hazard for the wider Zagreb area.

The Međimurje region (North Croatia), situated between the Drava and Mura rivers with a slightly elevated hilly area, can be generally characterized as a low-seismicity area. However, macroseismic observations from historical and recent earthquakes indicate that some localities in this region are more prone to damage than others. Significant damage and the observed higher intensities in the Međimurje region after the historical earthquakes of 1738 M_Lm5.1 (Međimurje) and 1880 M_L6.3 (Zagreb), and events that occurred in the instrumental era, 1938 M_L5.6 (Koprivnica), 1982 M_L4.5 (Ivanec), and the most recent 2020 M_L5.5 Zagreb and 2020 M_L6.2 Petrinja earthquakes, point to the influence of local site effects. There is a reasonable indication that these earthquakes involved several localized site effects that could explain the increased intensity of half a degree or even up to one degree at certain localities compared to macroseismic modeling for rock condition. To better understand the influence of local site effects in the Međimurje region, the single-station microtremor Horizontal-to-Vertical Spectral Ratio (HVSR) method for subsurface characterization was used. Based on individual measurements, microzonation maps were derived for the Međimurje region to better understand the behavior of ground motion and the influence of local site conditions in comparison to macroseismic intensities and past damage observations. Several local site effects could be interpreted as a main contribution to site amplification and resonance effects due to variations in deep soft-deposit thicknesses overlayed on hard deposits and directional variations in topographical areas that could localize earthquake damage patterns. Correlations of microtremor analysis with intensity observations from historical earthquakes as well with recent earthquakes could help to distinguish local site zones prone to the possible occurrence of higher earthquake damage from nearby and distant earthquakes.