One of the best things a disaster writer can do is to work their story into an existing disaster in the world - something that has happened before and, in all probability, will happen again. When dealing with manmade disasters, that's easy; we humans screw up all the time, so it's not hard to see us doing it again. But nature operates on much longer timescales, and always loves a sequel.
8.4 is based on the eventuality that the very-real New Madrid Seismic Zone in the American Appalachians will one day wake back up. The last time it had a bad day in 1811 and 1812, a series of four earthquakes all above 7.0 on the Richter scale shook a huge swathe of the American east coast and Mississippi River Valley. Back then, though, the area wasn't very heavily populated. Now it is. So Hernon decided to revisit 1811 and 1812 in the modern era.
And it works. It works in large part because he took a very real disaster we're familiar with and put it in a very unfamiliar setting. We're used to news of Los Angeles getting a rattle, or Tokyo. Not the American east - and neither is the area, meaning despite the looming threat there's no real preparation or building codes meant to be earthquake-resistant, something Hernon shows off in all its horrible detail.
Yes, this is a disaster book, so it follows a lot of the familiar disaster story beats. You have earthquakes and fires and collapsing buildings and everything else you'd expect. But because Hernon did his research on quakes and what they would mean for the region, we get shown everything that we might not have thought about. For example: do you know how many dams there are in the region? Exactly.
It's a page-turner. Written with a speedy plot and not a lot of exposition or excessive infodumps, this is a story designed to move, and move fast.
The characters are largely well written and have dimension to them, although they do tend to come off a little... I don't want to say flat, but a little robotic at times. It's not enough to break immersion, but from time to time there are little "huh?" moments when they behave a little strangely. But it's generally forgivable. A few of them truly stand out in the narrative and will stick with you after the book ends because, dangit, it's impossible not to like them.
The part where the book will let you down, though, is in its technology. It's obvious that Hernon really did his homework on earthquakes, their effects, how disasters tend to chain together, and the New Madrid zone in general. Where he slipped was technology. A standout example comes very early, where a powerful computer workstation is described as having a "prodigious megabyte capacity"... a weird description no matter which way you slice it. Little things like that pop up again and again throughout the book, but they're typically little more than temporary annoyances. Something the editor should have caught but didn't.
All in all, if you're looking for a quick-moving disaster story for a beach or summer read, you could do a lot worse than 8.4. Just go into it expecting a disaster movie written as a book, for all the good - and weaknesses - that entails.