City vs city
Ludington vs Shelby, MI
Ludington currently scores 5 points higher overall than Shelby, with the largest gap in flood.
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
Ludington: 30/100 · Shelby: 25/100
Ludington is 5 points higher.
Flood
Ludington: 74/100 · Shelby: 44/100
Ludington is 30 points higher.
Ludington: FEMA NFHL flood zones: 9 features intersect this tile.
Shelby: FEMA NFHL flood zones: 2 features intersect this tile.
Wind
Ludington: 14/100 · Shelby: 14/100
No gap.
Ludington: Wind exposure derived from ingested design wind / climatology tiles.
Shelby: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Ludington: 13/100 · Shelby: 15/100
Shelby is 2 points higher.
Ludington: Lightning exposure derived from ingested climatology tiles.
Shelby: Lightning exposure derived from ingested climatology tiles.
Tornado
Ludington: 0/100 · Shelby: 15/100
Shelby is 15 points higher.
Ludington: Tornado risk derived from NOAA SPC historical reports.
Shelby: Tornado risk derived from NOAA SPC historical reports.
Hail
Ludington: 23/100 · Shelby: 27/100
Shelby is 4 points higher.
Ludington: Hail risk derived from NOAA SPC historical reports.
Shelby: Hail risk derived from NOAA SPC historical reports.
Storm surge
Ludington: Unavailable · Shelby: Unavailable
A score difference cannot be calculated without both sources.
Ludington: Storm surge model is not available for this location yet.
Shelby: Storm surge model is not available for this location yet.
Wildfire
Ludington: 37/100 · Shelby: 39/100
Shelby is 2 points higher.
Ludington: Wildfire exposure derived from ingested fire potential tiles.
Shelby: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Ludington: 20/100 · Shelby: 21/100
Shelby is 1 points higher.
Ludington: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Shelby: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.