City vs city
Clearwater vs Harbor Bluffs, FL
Clearwater currently scores 13 points higher overall than Harbor Bluffs, with the largest gap in hail.
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
Clearwater: 59/100 · Harbor Bluffs: 46/100
Clearwater is 13 points higher.
Flood
Clearwater: 38/100 · Harbor Bluffs: 75/100
Harbor Bluffs is 37 points higher.
Clearwater: FEMA NFHL flood zones: 20 features intersect this tile.
Harbor Bluffs: FEMA NFHL flood zones: 7 features intersect this tile.
Wind
Clearwater: 50/100 · Harbor Bluffs: 51/100
Harbor Bluffs is 1 points higher.
Clearwater: Wind exposure derived from ingested design wind / climatology tiles.
Harbor Bluffs: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Clearwater: 63/100 · Harbor Bluffs: 57/100
Clearwater is 6 points higher.
Clearwater: Lightning exposure derived from ingested climatology tiles.
Harbor Bluffs: Lightning exposure derived from ingested climatology tiles.
Tornado
Clearwater: 100/100 · Harbor Bluffs: 46/100
Clearwater is 54 points higher.
Clearwater: Tornado risk derived from NOAA SPC historical reports.
Harbor Bluffs: Tornado risk derived from NOAA SPC historical reports.
Hail
Clearwater: 68/100 · Harbor Bluffs: 12/100
Clearwater is 56 points higher.
Clearwater: Hail risk derived from NOAA SPC historical reports.
Harbor Bluffs: Hail risk derived from NOAA SPC historical reports.
Storm surge
Clearwater: 95/100 · Harbor Bluffs: 98/100
Harbor Bluffs is 3 points higher.
Clearwater: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Harbor Bluffs: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Clearwater: 44/100 · Harbor Bluffs: 9/100
Clearwater is 35 points higher.
Clearwater: Wildfire exposure derived from ingested fire potential tiles.
Harbor Bluffs: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Clearwater: 17/100 · Harbor Bluffs: 17/100
No gap.
Clearwater: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Harbor Bluffs: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.