City vs city
Elkhart vs Heritage Lake, IN
Elkhart currently scores 4 points higher overall than Heritage 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 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
Elkhart: 35/100 · Heritage Lake: 31/100
Elkhart is 4 points higher.
Flood
Elkhart: 36/100 · Heritage Lake: 32/100
Elkhart is 4 points higher.
Elkhart: FEMA NFHL flood zones: 8 features intersect this tile.
Heritage Lake: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
Elkhart: 16/100 · Heritage Lake: 15/100
Elkhart is 1 points higher.
Elkhart: Wind exposure derived from ingested design wind / climatology tiles.
Heritage Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Elkhart: 51/100 · Heritage Lake: 51/100
No gap.
Elkhart: Lightning exposure derived from ingested climatology tiles.
Heritage Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
Elkhart: 8/100 · Heritage Lake: 42/100
Heritage Lake is 34 points higher.
Elkhart: Tornado risk derived from NOAA SPC historical reports.
Heritage Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
Elkhart: 91/100 · Heritage Lake: 42/100
Elkhart is 49 points higher.
Elkhart: Hail risk derived from NOAA SPC historical reports.
Heritage Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
Elkhart: Unavailable · Heritage Lake: Unavailable
A score difference cannot be calculated without both sources.
Elkhart: Storm surge model is not available for this location yet.
Heritage Lake: Storm surge model is not available for this location yet.
Wildfire
Elkhart: 12/100 · Heritage Lake: 9/100
Elkhart is 3 points higher.
Elkhart: Wildfire exposure derived from ingested fire potential tiles.
Heritage Lake: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Elkhart: 28/100 · Heritage Lake: 28/100
No gap.
Elkhart: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Heritage Lake: Air quality signal derived from the latest EPA AirNow combined AQI grid.