Xcel Energy | Standard for Electric Installation and Use | Section 5: Transformers said:
Tables IA through V in this Section show the available RMS symmetrical fault currents that may be expected at the secondary terminals of distribution transformers. Each fault current value listed in the tables is based on the lowest percent impedance transformer that might be set initially or as a replacement. No primary source or secondary line impedance has been included since it is generally relatively small, may change, and cannot be accurately forecasted.
Note: Because an overloaded transformer is typically replaced by the next larger size transformer, and an under-loaded transformer may be replaced by the next smaller size transformer, the customer is encouraged to use this range of transformers to perform their studies and select equipment such as current limiting fuses, breakers and switchgear bus bar bracing.