City vs city
Germantown vs Ocean City, MD
Germantown currently scores 2 points higher overall than Ocean City, 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 · Ocean City: 36/100
Germantown is 2 points higher.
Flood
Germantown: 24/100 · Ocean City: 69/100
Ocean City is 45 points higher.
Germantown: FEMA NFHL flood zones: 4 features intersect this tile.
Ocean City: FEMA NFHL flood zones: 7 features intersect this tile.
Wind
Germantown: 20/100 · Ocean City: 34/100
Ocean City is 14 points higher.
Germantown: Wind exposure derived from ingested design wind / climatology tiles.
Ocean City: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Germantown: 35/100 · Ocean City: 16/100
Germantown is 19 points higher.
Germantown: Lightning exposure derived from ingested climatology tiles.
Ocean City: Lightning exposure derived from ingested climatology tiles.
Tornado
Germantown: 23/100 · Ocean City: 15/100
Germantown is 8 points higher.
Germantown: Tornado risk derived from NOAA SPC historical reports.
Ocean City: Tornado risk derived from NOAA SPC historical reports.
Hail
Germantown: 77/100 · Ocean City: 23/100
Germantown is 54 points higher.
Germantown: Hail risk derived from NOAA SPC historical reports.
Ocean City: Hail risk derived from NOAA SPC historical reports.
Storm surge
Germantown: Unavailable · Ocean City: 95/100
A score difference cannot be calculated without both sources.
Germantown: Storm surge model is not available for this location yet.
Ocean City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Germantown: 41/100 · Ocean City: 5/100
Germantown is 36 points higher.
Germantown: Wildfire exposure derived from ingested fire potential tiles.
Ocean City: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Germantown: 43/100 · Ocean City: 32/100
Germantown is 11 points higher.
Germantown: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Ocean City: Air quality signal derived from the latest EPA AirNow combined AQI grid.