City vs city
Independence vs Owensboro, KY
Owensboro currently scores 3 points higher overall than Independence, 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
Independence: 31/100 · Owensboro: 34/100
Owensboro is 3 points higher.
Flood
Independence: 41/100 · Owensboro: 53/100
Owensboro is 12 points higher.
Independence: FEMA NFHL flood zones: 5 features intersect this tile.
Owensboro: FEMA NFHL flood zones: 10 features intersect this tile.
Wind
Independence: 15/100 · Owensboro: 14/100
Independence is 1 points higher.
Independence: Wind exposure derived from ingested design wind / climatology tiles.
Owensboro: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Independence: 47/100 · Owensboro: 57/100
Owensboro is 10 points higher.
Independence: Lightning exposure derived from ingested climatology tiles.
Owensboro: Lightning exposure derived from ingested climatology tiles.
Tornado
Independence: 27/100 · Owensboro: 27/100
No gap.
Independence: Tornado risk derived from NOAA SPC historical reports.
Owensboro: Tornado risk derived from NOAA SPC historical reports.
Hail
Independence: 52/100 · Owensboro: 19/100
Independence is 33 points higher.
Independence: Hail risk derived from NOAA SPC historical reports.
Owensboro: Hail risk derived from NOAA SPC historical reports.
Storm surge
Independence: Unavailable · Owensboro: Unavailable
A score difference cannot be calculated without both sources.
Independence: Storm surge model is not available for this location yet.
Owensboro: Storm surge model is not available for this location yet.
Wildfire
Independence: 4/100 · Owensboro: 37/100
Owensboro is 33 points higher.
Independence: Wildfire exposure derived from ingested fire potential tiles.
Owensboro: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Independence: 33/100 · Owensboro: 34/100
Owensboro is 1 points higher.
Independence: 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.