City vs city
Germantown vs Lake Arbor, MD
Germantown currently scores 11 points higher overall than Lake Arbor, 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
Germantown: 38/100 · Lake Arbor: 27/100
Germantown is 11 points higher.
Flood
Germantown: 24/100 · Lake Arbor: 21/100
Germantown is 3 points higher.
Germantown: FEMA NFHL flood zones: 4 features intersect this tile.
Lake Arbor: FEMA NFHL flood zones: 3 features intersect this tile.
Wind
Germantown: 20/100 · Lake Arbor: 21/100
Lake Arbor is 1 points higher.
Germantown: Wind exposure derived from ingested design wind / climatology tiles.
Lake Arbor: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Germantown: 35/100 · Lake Arbor: 40/100
Lake Arbor is 5 points higher.
Germantown: Lightning exposure derived from ingested climatology tiles.
Lake Arbor: Lightning exposure derived from ingested climatology tiles.
Tornado
Germantown: 23/100 · Lake Arbor: 4/100
Germantown is 19 points higher.
Germantown: Tornado risk derived from NOAA SPC historical reports.
Lake Arbor: Tornado risk derived from NOAA SPC historical reports.
Hail
Germantown: 77/100 · Lake Arbor: 17/100
Germantown is 60 points higher.
Germantown: Hail risk derived from NOAA SPC historical reports.
Lake Arbor: Hail risk derived from NOAA SPC historical reports.
Storm surge
Germantown: Unavailable · Lake Arbor: Unavailable
A score difference cannot be calculated without both sources.
Germantown: Storm surge model is not available for this location yet.
Lake Arbor: Storm surge model is not available for this location yet.
Wildfire
Germantown: 41/100 · Lake Arbor: 44/100
Lake Arbor is 3 points higher.
Germantown: Wildfire exposure derived from ingested fire potential tiles.
Lake Arbor: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Germantown: 43/100 · Lake Arbor: 43/100
No gap.
Germantown: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Lake Arbor: Air quality signal derived from the latest EPA AirNow combined AQI grid.