Thank you, I think you are absolutely correct. I have been researching this this morning, and have found out that the Zones are determined by a risk factor that takes into account magnitude, duration, and attenuation. The most important factor seems to be the Peak Ground Acceleration as it relates to the acceleration of gravity. The example given was as follows: "If you live in seismic zone 4, you have a one in ten chance that an earthquake with an active peak acceleration level of 0.04g (4/10 the acceleration of gravity) will occur within the next fifty years. Likewise, if you live in zone 1, you have a one in ten chance that an earthquake with an active peak acceleration level of 0.1g (1/10 the acceleration of gravity) will occur within the next fifty years". There is a very good map that shows some zone 5 areas in Central America. Check it out:
seismo.ethz.ch/gshap/notham/shednh_8col.gif