City vs city
Carmel vs South Bend, IN
South Bend currently scores 6 points higher overall than Carmel, 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
Carmel: 38/100 · South Bend: 44/100
South Bend is 6 points higher.
Flood
Carmel: 34/100 · South Bend: 30/100
Carmel is 4 points higher.
Carmel: FEMA NFHL flood zones: 8 features intersect this tile.
South Bend: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
Carmel: 15/100 · South Bend: 16/100
South Bend is 1 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
South Bend: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 63/100 · South Bend: 48/100
Carmel is 15 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
South Bend: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 15/100 · South Bend: 54/100
South Bend is 39 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
South Bend: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 100/100 · South Bend: 100/100
No gap.
Carmel: Hail risk derived from NOAA SPC historical reports.
South Bend: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · South Bend: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
South Bend: Storm surge model is not available for this location yet.
Wildfire
Carmel: 8/100 · South Bend: 28/100
South Bend is 20 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
South Bend: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 28/100 · South Bend: 29/100
South Bend is 1 points higher.
Carmel: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
South Bend: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.