City vs city
Morro Bay vs San Francisco, CA
San Francisco currently scores 9 points higher overall than Morro Bay, 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
Morro Bay: 16/100 · San Francisco: 25/100
San Francisco is 9 points higher.
Flood
Morro Bay: 43/100 · San Francisco: 26/100
Morro Bay is 17 points higher.
Morro Bay: FEMA NFHL flood zones: 14 features intersect this tile.
San Francisco: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
Morro Bay: 2/100 · San Francisco: 2/100
No gap.
Morro Bay: Wind exposure derived from ingested design wind / climatology tiles.
San Francisco: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Morro Bay: 0/100 · San Francisco: 0/100
No gap.
Morro Bay: Lightning exposure derived from ingested climatology tiles.
San Francisco: Lightning exposure derived from ingested climatology tiles.
Tornado
Morro Bay: 0/100 · San Francisco: 0/100
No gap.
Morro Bay: Tornado risk derived from NOAA SPC historical reports.
San Francisco: Tornado risk derived from NOAA SPC historical reports.
Hail
Morro Bay: 1/100 · San Francisco: 18/100
San Francisco is 17 points higher.
Morro Bay: Hail risk derived from NOAA SPC historical reports.
San Francisco: Hail risk derived from NOAA SPC historical reports.
Storm surge
Morro Bay: Unavailable · San Francisco: Unavailable
A score difference cannot be calculated without both sources.
Morro Bay: Storm surge model is not available for this location yet.
San Francisco: Storm surge model is not available for this location yet.
Wildfire
Morro Bay: 17/100 · San Francisco: 52/100
San Francisco is 35 points higher.
Morro Bay: Wildfire exposure derived from ingested fire potential tiles.
San Francisco: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Morro Bay: 16/100 · San Francisco: 25/100
San Francisco is 9 points higher.
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.
San Francisco: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.