City vs city
Fernandina Beach vs Fruit Cove, FL
Fernandina Beach currently scores 4 points higher overall than Fruit Cove, with the largest gap in flood.
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
Fernandina Beach: 59/100 · Fruit Cove: 55/100
Fernandina Beach is 4 points higher.
Flood
Fernandina Beach: 100/100 · Fruit Cove: 32/100
Fernandina Beach is 68 points higher.
Fernandina Beach: FEMA NFHL flood zones: 13 features intersect this tile.
Fruit Cove: FEMA NFHL flood zones: 16 features intersect this tile.
Wind
Fernandina Beach: 35/100 · Fruit Cove: 33/100
Fernandina Beach is 2 points higher.
Fernandina Beach: Wind exposure derived from ingested design wind / climatology tiles.
Fruit Cove: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Fernandina Beach: 83/100 · Fruit Cove: 100/100
Fruit Cove is 17 points higher.
Fernandina Beach: Lightning exposure derived from ingested climatology tiles.
Fruit Cove: Lightning exposure derived from ingested climatology tiles.
Tornado
Fernandina Beach: 35/100 · Fruit Cove: 62/100
Fruit Cove is 27 points higher.
Fernandina Beach: Tornado risk derived from NOAA SPC historical reports.
Fruit Cove: Tornado risk derived from NOAA SPC historical reports.
Hail
Fernandina Beach: 35/100 · Fruit Cove: 37/100
Fruit Cove is 2 points higher.
Fernandina Beach: Hail risk derived from NOAA SPC historical reports.
Fruit Cove: Hail risk derived from NOAA SPC historical reports.
Storm surge
Fernandina Beach: 99/100 · Fruit Cove: 90/100
Fernandina Beach is 9 points higher.
Fernandina Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Fruit Cove: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Fernandina Beach: 60/100 · Fruit Cove: 70/100
Fruit Cove is 10 points higher.
Fernandina Beach: Wildfire exposure derived from ingested fire potential tiles.
Fruit Cove: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Fernandina Beach: 28/100 · Fruit Cove: 16/100
Fernandina Beach is 12 points higher.
Fernandina Beach: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Fruit Cove: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.