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