City vs city
Gainesville vs Live Oak, FL
Gainesville currently scores 20 points higher overall than Live Oak, 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
Gainesville: 57/100 · Live Oak: 37/100
Gainesville is 20 points higher.
Flood
Gainesville: 35/100 · Live Oak: 27/100
Gainesville is 8 points higher.
Gainesville: FEMA NFHL flood zones: 16 features intersect this tile.
Live Oak: FEMA NFHL flood zones: 6 features intersect this tile.
Wind
Gainesville: 32/100 · Live Oak: 24/100
Gainesville is 8 points higher.
Gainesville: Wind exposure derived from ingested design wind / climatology tiles.
Live Oak: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Gainesville: 97/100 · Live Oak: 79/100
Gainesville is 18 points higher.
Gainesville: Lightning exposure derived from ingested climatology tiles.
Live Oak: Lightning exposure derived from ingested climatology tiles.
Tornado
Gainesville: 54/100 · Live Oak: 12/100
Gainesville is 42 points higher.
Gainesville: Tornado risk derived from NOAA SPC historical reports.
Live Oak: Tornado risk derived from NOAA SPC historical reports.
Hail
Gainesville: 100/100 · Live Oak: 29/100
Gainesville is 71 points higher.
Gainesville: Hail risk derived from NOAA SPC historical reports.
Live Oak: Hail risk derived from NOAA SPC historical reports.
Storm surge
Gainesville: Unavailable · Live Oak: Unavailable
A score difference cannot be calculated without both sources.
Gainesville: Storm surge model is not available for this location yet.
Live Oak: Storm surge model is not available for this location yet.
Wildfire
Gainesville: 68/100 · Live Oak: 72/100
Live Oak is 4 points higher.
Gainesville: Wildfire exposure derived from ingested fire potential tiles.
Live Oak: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Gainesville: 16/100 · Live Oak: 19/100
Live Oak is 3 points higher.
Gainesville: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Live Oak: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.