City vs city
Live Oak vs Santa Cruz, CA
Santa Cruz currently scores 8 points higher overall than Live Oak, with the largest gap in wildfire.
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
Live Oak: 12/100 · Santa Cruz: 20/100
Santa Cruz is 8 points higher.
Flood
Live Oak: 15/100 · Santa Cruz: 13/100
Live Oak is 2 points higher.
Live Oak: FEMA NFHL flood zones: 6 features intersect this tile.
Santa Cruz: FEMA NFHL flood zones: 5 features intersect this tile.
Wind
Live Oak: 2/100 · Santa Cruz: 1/100
Live Oak is 1 points higher.
Live Oak: Wind exposure derived from ingested design wind / climatology tiles.
Santa Cruz: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Live Oak: 0/100 · Santa Cruz: 0/100
No gap.
Live Oak: Lightning exposure derived from ingested climatology tiles.
Santa Cruz: Lightning exposure derived from ingested climatology tiles.
Tornado
Live Oak: 0/100 · Santa Cruz: 12/100
Santa Cruz is 12 points higher.
Live Oak: Tornado risk derived from NOAA SPC historical reports.
Santa Cruz: Tornado risk derived from NOAA SPC historical reports.
Hail
Live Oak: 6/100 · Santa Cruz: 10/100
Santa Cruz is 4 points higher.
Live Oak: Hail risk derived from NOAA SPC historical reports.
Santa Cruz: Hail risk derived from NOAA SPC historical reports.
Storm surge
Live Oak: Unavailable · Santa Cruz: Unavailable
A score difference cannot be calculated without both sources.
Live Oak: Storm surge model is not available for this location yet.
Santa Cruz: Storm surge model is not available for this location yet.
Wildfire
Live Oak: 14/100 · Santa Cruz: 58/100
Santa Cruz is 44 points higher.
Live Oak: Wildfire exposure derived from ingested fire potential tiles.
Santa Cruz: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Live Oak: 23/100 · Santa Cruz: 23/100
No gap.
Live Oak: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Santa Cruz: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.