City vs city
Frederick vs Smithsburg, MD
Frederick currently scores 7 points higher overall than Smithsburg, 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
Frederick: 35/100 · Smithsburg: 28/100
Frederick is 7 points higher.
Flood
Frederick: 20/100 · Smithsburg: 20/100
No gap.
Frederick: FEMA NFHL flood zones: 3 features intersect this tile.
Smithsburg: FEMA NFHL flood zones: 5 features intersect this tile.
Wind
Frederick: 20/100 · Smithsburg: 20/100
No gap.
Frederick: Wind exposure derived from ingested design wind / climatology tiles.
Smithsburg: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Frederick: 26/100 · Smithsburg: 21/100
Frederick is 5 points higher.
Frederick: Lightning exposure derived from ingested climatology tiles.
Smithsburg: Lightning exposure derived from ingested climatology tiles.
Tornado
Frederick: 15/100 · Smithsburg: 4/100
Frederick is 11 points higher.
Frederick: Tornado risk derived from NOAA SPC historical reports.
Smithsburg: Tornado risk derived from NOAA SPC historical reports.
Hail
Frederick: 74/100 · Smithsburg: 40/100
Frederick is 34 points higher.
Frederick: Hail risk derived from NOAA SPC historical reports.
Smithsburg: Hail risk derived from NOAA SPC historical reports.
Storm surge
Frederick: Unavailable · Smithsburg: Unavailable
A score difference cannot be calculated without both sources.
Frederick: Storm surge model is not available for this location yet.
Smithsburg: Storm surge model is not available for this location yet.
Wildfire
Frederick: 47/100 · Smithsburg: 51/100
Smithsburg is 4 points higher.
Frederick: Wildfire exposure derived from ingested fire potential tiles.
Smithsburg: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Frederick: 42/100 · Smithsburg: 42/100
No gap.
Frederick: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Smithsburg: Air quality signal derived from the latest EPA AirNow combined AQI grid.