City vs city
Arnolds Park vs Spencer, IA
Spencer currently scores 6 points higher overall than Arnolds Park, with the largest gap in tornado.
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
Arnolds Park: 44/100 · Spencer: 50/100
Spencer is 6 points higher.
Flood
Arnolds Park: 69/100 · Spencer: 61/100
Arnolds Park is 8 points higher.
Arnolds Park: FEMA NFHL flood zones: 9 features intersect this tile.
Spencer: FEMA NFHL flood zones: 12 features intersect this tile.
Wind
Arnolds Park: 19/100 · Spencer: 19/100
No gap.
Arnolds Park: Wind exposure derived from ingested design wind / climatology tiles.
Spencer: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Arnolds Park: 53/100 · Spencer: 55/100
Spencer is 2 points higher.
Arnolds Park: Lightning exposure derived from ingested climatology tiles.
Spencer: Lightning exposure derived from ingested climatology tiles.
Tornado
Arnolds Park: 15/100 · Spencer: 65/100
Spencer is 50 points higher.
Arnolds Park: Tornado risk derived from NOAA SPC historical reports.
Spencer: Tornado risk derived from NOAA SPC historical reports.
Hail
Arnolds Park: 100/100 · Spencer: 100/100
No gap.
Arnolds Park: Hail risk derived from NOAA SPC historical reports.
Spencer: Hail risk derived from NOAA SPC historical reports.
Storm surge
Arnolds Park: Unavailable · Spencer: Unavailable
A score difference cannot be calculated without both sources.
Arnolds Park: Storm surge model is not available for this location yet.
Spencer: Storm surge model is not available for this location yet.
Wildfire
Arnolds Park: 37/100 · Spencer: 32/100
Arnolds Park is 5 points higher.
Arnolds Park: Wildfire exposure derived from ingested fire potential tiles.
Spencer: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Arnolds Park: 18/100 · Spencer: 18/100
No gap.
Arnolds Park: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Spencer: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.