City vs city
Cutler Bay vs Key Largo, FL
Cutler Bay currently scores 8 points higher overall than Key Largo, 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
Cutler Bay: 47/100 · Key Largo: 39/100
Cutler Bay is 8 points higher.
Flood
Cutler Bay: 57/100 · Key Largo: 69/100
Key Largo is 12 points higher.
Cutler Bay: FEMA NFHL flood zones: 19 features intersect this tile.
Key Largo: FEMA NFHL flood zones: 16 features intersect this tile.
Wind
Cutler Bay: 72/100 · Key Largo: 80/100
Key Largo is 8 points higher.
Cutler Bay: Wind exposure derived from ingested design wind / climatology tiles.
Key Largo: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Cutler Bay: 57/100 · Key Largo: 34/100
Cutler Bay is 23 points higher.
Cutler Bay: Lightning exposure derived from ingested climatology tiles.
Key Largo: Lightning exposure derived from ingested climatology tiles.
Tornado
Cutler Bay: 15/100 · Key Largo: 4/100
Cutler Bay is 11 points higher.
Cutler Bay: Tornado risk derived from NOAA SPC historical reports.
Key Largo: Tornado risk derived from NOAA SPC historical reports.
Hail
Cutler Bay: 22/100 · Key Largo: 1/100
Cutler Bay is 21 points higher.
Cutler Bay: Hail risk derived from NOAA SPC historical reports.
Key Largo: Hail risk derived from NOAA SPC historical reports.
Storm surge
Cutler Bay: 91/100 · Key Largo: 93/100
Key Largo is 2 points higher.
Cutler Bay: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Key Largo: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Cutler Bay: 43/100 · Key Largo: 9/100
Cutler Bay is 34 points higher.
Cutler Bay: Wildfire exposure derived from ingested fire potential tiles.
Key Largo: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Cutler Bay: 18/100 · Key Largo: 18/100
No gap.
Cutler Bay: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Key Largo: Air quality signal derived from the latest EPA AirNow combined AQI grid.