City vs city
Bay City vs Saginaw, MI
Saginaw currently scores 8 points higher overall than Bay 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 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
Bay City: 33/100 · Saginaw: 41/100
Saginaw is 8 points higher.
Flood
Bay City: 87/100 · Saginaw: 79/100
Bay City is 8 points higher.
Bay City: FEMA NFHL flood zones: 12 features intersect this tile.
Saginaw: FEMA NFHL flood zones: 15 features intersect this tile.
Wind
Bay City: 15/100 · Saginaw: 15/100
No gap.
Bay City: Wind exposure derived from ingested design wind / climatology tiles.
Saginaw: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Bay City: 27/100 · Saginaw: 26/100
Bay City is 1 points higher.
Bay City: Lightning exposure derived from ingested climatology tiles.
Saginaw: Lightning exposure derived from ingested climatology tiles.
Tornado
Bay City: 15/100 · Saginaw: 0/100
Bay City is 15 points higher.
Bay City: Tornado risk derived from NOAA SPC historical reports.
Saginaw: Tornado risk derived from NOAA SPC historical reports.
Hail
Bay City: 28/100 · Saginaw: 53/100
Saginaw is 25 points higher.
Bay City: Hail risk derived from NOAA SPC historical reports.
Saginaw: Hail risk derived from NOAA SPC historical reports.
Storm surge
Bay City: Unavailable · Saginaw: Unavailable
A score difference cannot be calculated without both sources.
Bay City: Storm surge model is not available for this location yet.
Saginaw: Storm surge model is not available for this location yet.
Wildfire
Bay City: 34/100 · Saginaw: 48/100
Saginaw is 14 points higher.
Bay City: Wildfire exposure derived from ingested fire potential tiles.
Saginaw: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Bay City: 26/100 · Saginaw: 26/100
No gap.
Bay City: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Saginaw: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.