City vs city
Horse Cave vs Owensboro, KY
Owensboro currently scores 2 points higher overall than Horse Cave, 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
Horse Cave: 32/100 · Owensboro: 34/100
Owensboro is 2 points higher.
Flood
Horse Cave: 39/100 · Owensboro: 53/100
Owensboro is 14 points higher.
Horse Cave: FEMA NFHL flood zones: 4 features intersect this tile.
Owensboro: FEMA NFHL flood zones: 10 features intersect this tile.
Wind
Horse Cave: 14/100 · Owensboro: 14/100
No gap.
Horse Cave: Wind exposure derived from ingested design wind / climatology tiles.
Owensboro: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Horse Cave: 49/100 · Owensboro: 57/100
Owensboro is 8 points higher.
Horse Cave: Lightning exposure derived from ingested climatology tiles.
Owensboro: Lightning exposure derived from ingested climatology tiles.
Tornado
Horse Cave: 4/100 · Owensboro: 27/100
Owensboro is 23 points higher.
Horse Cave: Tornado risk derived from NOAA SPC historical reports.
Owensboro: Tornado risk derived from NOAA SPC historical reports.
Hail
Horse Cave: 47/100 · Owensboro: 19/100
Horse Cave is 28 points higher.
Horse Cave: Hail risk derived from NOAA SPC historical reports.
Owensboro: Hail risk derived from NOAA SPC historical reports.
Storm surge
Horse Cave: Unavailable · Owensboro: Unavailable
A score difference cannot be calculated without both sources.
Horse Cave: Storm surge model is not available for this location yet.
Owensboro: Storm surge model is not available for this location yet.
Wildfire
Horse Cave: 37/100 · Owensboro: 37/100
No gap.
Horse Cave: Wildfire exposure derived from ingested fire potential tiles.
Owensboro: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Horse Cave: 31/100 · Owensboro: 34/100
Owensboro is 3 points higher.
Horse Cave: 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.