City vs city
Hardinsburg vs Owensboro, KY
Hardinsburg currently scores 7 points higher overall than Owensboro, 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
Hardinsburg: 41/100 · Owensboro: 34/100
Hardinsburg is 7 points higher.
Flood
Hardinsburg: 36/100 · Owensboro: 53/100
Owensboro is 17 points higher.
Hardinsburg: FEMA NFHL flood zones: 3 features intersect this tile.
Owensboro: FEMA NFHL flood zones: 10 features intersect this tile.
Wind
Hardinsburg: 14/100 · Owensboro: 14/100
No gap.
Hardinsburg: Wind exposure derived from ingested design wind / climatology tiles.
Owensboro: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Hardinsburg: 50/100 · Owensboro: 57/100
Owensboro is 7 points higher.
Hardinsburg: Lightning exposure derived from ingested climatology tiles.
Owensboro: Lightning exposure derived from ingested climatology tiles.
Tornado
Hardinsburg: 27/100 · Owensboro: 27/100
No gap.
Hardinsburg: Tornado risk derived from NOAA SPC historical reports.
Owensboro: Tornado risk derived from NOAA SPC historical reports.
Hail
Hardinsburg: 94/100 · Owensboro: 19/100
Hardinsburg is 75 points higher.
Hardinsburg: Hail risk derived from NOAA SPC historical reports.
Owensboro: Hail risk derived from NOAA SPC historical reports.
Storm surge
Hardinsburg: Unavailable · Owensboro: Unavailable
A score difference cannot be calculated without both sources.
Hardinsburg: Storm surge model is not available for this location yet.
Owensboro: Storm surge model is not available for this location yet.
Wildfire
Hardinsburg: 32/100 · Owensboro: 37/100
Owensboro is 5 points higher.
Hardinsburg: Wildfire exposure derived from ingested fire potential tiles.
Owensboro: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Hardinsburg: 32/100 · Owensboro: 34/100
Owensboro is 2 points higher.
Hardinsburg: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Owensboro: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.