City vs city
Spencer vs Spirit Lake, IA
Spencer currently scores 8 points higher overall than Spirit Lake, 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 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
Spencer: 50/100 · Spirit Lake: 42/100
Spencer is 8 points higher.
Flood
Spencer: 61/100 · Spirit Lake: 73/100
Spirit Lake is 12 points higher.
Spencer: FEMA NFHL flood zones: 12 features intersect this tile.
Spirit Lake: FEMA NFHL flood zones: 10 features intersect this tile.
Wind
Spencer: 19/100 · Spirit Lake: 19/100
No gap.
Spencer: Wind exposure derived from ingested design wind / climatology tiles.
Spirit Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Spencer: 55/100 · Spirit Lake: 51/100
Spencer is 4 points higher.
Spencer: Lightning exposure derived from ingested climatology tiles.
Spirit Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
Spencer: 65/100 · Spirit Lake: 23/100
Spencer is 42 points higher.
Spencer: Tornado risk derived from NOAA SPC historical reports.
Spirit Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
Spencer: 100/100 · Spirit Lake: 67/100
Spencer is 33 points higher.
Spencer: Hail risk derived from NOAA SPC historical reports.
Spirit Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
Spencer: Unavailable · Spirit Lake: Unavailable
A score difference cannot be calculated without both sources.
Spencer: Storm surge model is not available for this location yet.
Spirit Lake: Storm surge model is not available for this location yet.
Wildfire
Spencer: 32/100 · Spirit Lake: 40/100
Spirit Lake is 8 points higher.
Spencer: Wildfire exposure derived from ingested fire potential tiles.
Spirit Lake: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Spencer: 18/100 · Spirit Lake: 18/100
No gap.
Spencer: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Spirit Lake: Air quality signal derived from the latest EPA AirNow combined AQI grid.