I lived in Indiana growing up. About 15-20 years ago we had a 5.0 in the early evening. I have been through some 5.0 earthquakes here in SoCal, but they have not felt as fierce as the one in Indiana. It really does make a difference as to the type of rock you are on when it happens.
I remember reading somewhere that the New Madrid Fault has the potential to be more devastating than the San Andreas of California. Not sure where I saw that though.