City vs city
Monterey vs Santa Cruz, CA
Monterey currently scores 1 points higher overall than Santa Cruz, 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
Monterey: 21/100 · Santa Cruz: 20/100
Monterey is 1 points higher.
Flood
Monterey: 33/100 · Santa Cruz: 13/100
Monterey is 20 points higher.
Monterey: FEMA NFHL flood zones: 8 features intersect this tile.
Santa Cruz: FEMA NFHL flood zones: 5 features intersect this tile.
Wind
Monterey: 1/100 · Santa Cruz: 1/100
No gap.
Monterey: Wind exposure derived from ingested design wind / climatology tiles.
Santa Cruz: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Monterey: 0/100 · Santa Cruz: 0/100
No gap.
Monterey: Lightning exposure derived from ingested climatology tiles.
Santa Cruz: Lightning exposure derived from ingested climatology tiles.
Tornado
Monterey: 0/100 · Santa Cruz: 12/100
Santa Cruz is 12 points higher.
Monterey: Tornado risk derived from NOAA SPC historical reports.
Santa Cruz: Tornado risk derived from NOAA SPC historical reports.
Hail
Monterey: 8/100 · Santa Cruz: 10/100
Santa Cruz is 2 points higher.
Monterey: Hail risk derived from NOAA SPC historical reports.
Santa Cruz: Hail risk derived from NOAA SPC historical reports.
Storm surge
Monterey: Unavailable · Santa Cruz: Unavailable
A score difference cannot be calculated without both sources.
Monterey: Storm surge model is not available for this location yet.
Santa Cruz: Storm surge model is not available for this location yet.
Wildfire
Monterey: 37/100 · Santa Cruz: 58/100
Santa Cruz is 21 points higher.
Monterey: Wildfire exposure derived from ingested fire potential tiles.
Santa Cruz: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Monterey: 26/100 · Santa Cruz: 23/100
Monterey is 3 points higher.
Monterey: 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.