Building in earthquake-prone regions requires the development of new methods for computer simulation in order to assess the safety of exploitation of constructed structures and design new structures. In this paper, we propose to use the grid-characteristic method on structured curvilinear grids to calculate the elastic and acoustic wave fields in the structure under consideration, containing the geological massif and surrounding water bodies. Then, based on the calculated field of the Cauchy stress tensor, the possible damaged regions are determined. To highlight the complex shape of the boundaries, multiple contacting separate computational grids are used, between which the contact condition of continuity of speed and traction is used. Test calculations of the earthquake resistance of a multi-story residential building, metro station, footbridge with elevator shaft and dam of hydroelectric power station were carried out. The used grid-characteristic method allows us to accurately solve the boundary-value problem of elastic and acoustic wave equations in the integration domain of complex shape.