City vs city
Milford vs Spirit Lake, IA
Milford currently scores 2 points higher overall than Spirit Lake, 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
Milford: 44/100 · Spirit Lake: 42/100
Milford is 2 points higher.
Flood
Milford: 69/100 · Spirit Lake: 73/100
Spirit Lake is 4 points higher.
Milford: FEMA NFHL flood zones: 9 features intersect this tile.
Spirit Lake: FEMA NFHL flood zones: 10 features intersect this tile.
Wind
Milford: 19/100 · Spirit Lake: 19/100
No gap.
Milford: Wind exposure derived from ingested design wind / climatology tiles.
Spirit Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Milford: 53/100 · Spirit Lake: 51/100
Milford is 2 points higher.
Milford: Lightning exposure derived from ingested climatology tiles.
Spirit Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
Milford: 15/100 · Spirit Lake: 23/100
Spirit Lake is 8 points higher.
Milford: Tornado risk derived from NOAA SPC historical reports.
Spirit Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
Milford: 100/100 · Spirit Lake: 67/100
Milford is 33 points higher.
Milford: Hail risk derived from NOAA SPC historical reports.
Spirit Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
Milford: Unavailable · Spirit Lake: Unavailable
A score difference cannot be calculated without both sources.
Milford: Storm surge model is not available for this location yet.
Spirit Lake: Storm surge model is not available for this location yet.
Wildfire
Milford: 37/100 · Spirit Lake: 40/100
Spirit Lake is 3 points higher.
Milford: Wildfire exposure derived from ingested fire potential tiles.
Spirit Lake: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Milford: 18/100 · Spirit Lake: 18/100
No gap.
Milford: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Spirit Lake: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.