City vs city
Cool vs Morro Bay, CA
Cool currently scores 21 points higher overall than Morro Bay, with the largest gap in ingested air quality.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Scores describe each city’s reference grid tile, not every property. A missing model is unavailable, not zero risk. Air quality uses an ingested EPA AirNow snapshot and may not reflect current conditions; other factors describe baseline exposure. The overall score blends different hazards and is not a probability of damage. Read the scoring methodology and sources.
Overall
Cool: 37/100 · Morro Bay: 16/100
Cool is 21 points higher.
Flood
Cool: 30/100 · Morro Bay: 43/100
Morro Bay is 13 points higher.
Cool: FEMA NFHL flood zones: 4 features intersect this tile.
Morro Bay: FEMA NFHL flood zones: 14 features intersect this tile.
Wind
Cool: 4/100 · Morro Bay: 2/100
Cool is 2 points higher.
Cool: Wind exposure derived from ingested design wind / climatology tiles.
Morro Bay: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Cool: 2/100 · Morro Bay: 0/100
Cool is 2 points higher.
Cool: Lightning exposure derived from ingested climatology tiles.
Morro Bay: Lightning exposure derived from ingested climatology tiles.
Tornado
Cool: 0/100 · Morro Bay: 0/100
No gap.
Cool: Tornado risk derived from NOAA SPC historical reports.
Morro Bay: Tornado risk derived from NOAA SPC historical reports.
Hail
Cool: 1/100 · Morro Bay: 1/100
No gap.
Cool: Hail risk derived from NOAA SPC historical reports.
Morro Bay: Hail risk derived from NOAA SPC historical reports.
Storm surge
Cool: Unavailable · Morro Bay: Unavailable
A score difference cannot be calculated without both sources.
Cool: Storm surge model is not available for this location yet.
Morro Bay: Storm surge model is not available for this location yet.
Wildfire
Cool: 87/100 · Morro Bay: 17/100
Cool is 70 points higher.
Cool: Wildfire exposure derived from ingested fire potential tiles.
Morro Bay: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Cool: 95/100 · Morro Bay: 16/100
Cool is 79 points higher.
Cool: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Morro Bay: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.