City vs city
Baker vs St. Cloud, MN
St. Cloud currently scores 7 points higher overall than Baker, 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
Baker: 33/100 · St. Cloud: 40/100
St. Cloud is 7 points higher.
Flood
Baker: 30/100 · St. Cloud: 39/100
St. Cloud is 9 points higher.
Baker: FEMA NFHL flood zones: 1 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Baker: 19/100 · St. Cloud: 18/100
Baker is 1 points higher.
Baker: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Baker: 33/100 · St. Cloud: 31/100
Baker is 2 points higher.
Baker: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Baker: 31/100 · St. Cloud: 12/100
Baker is 19 points higher.
Baker: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Baker: 47/100 · St. Cloud: 100/100
St. Cloud is 53 points higher.
Baker: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Baker: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Baker: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Baker: 31/100 · St. Cloud: 57/100
St. Cloud is 26 points higher.
Baker: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Baker: 37/100 · St. Cloud: 21/100
Baker is 16 points higher.
Baker: Air quality signal derived from the latest EPA AirNow combined AQI grid.
St. Cloud: Air quality signal derived from the latest EPA AirNow combined AQI grid.