City vs city
Cold Spring vs St. Cloud, MN
St. Cloud currently scores 10 points higher overall than Cold Spring, 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
Cold Spring: 30/100 · St. Cloud: 40/100
St. Cloud is 10 points higher.
Flood
Cold Spring: 38/100 · St. Cloud: 39/100
St. Cloud is 1 points higher.
Cold Spring: FEMA NFHL flood zones: 6 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Cold Spring: 18/100 · St. Cloud: 18/100
No gap.
Cold Spring: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Cold Spring: 29/100 · St. Cloud: 31/100
St. Cloud is 2 points higher.
Cold Spring: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Cold Spring: 0/100 · St. Cloud: 12/100
St. Cloud is 12 points higher.
Cold Spring: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Cold Spring: 52/100 · St. Cloud: 100/100
St. Cloud is 48 points higher.
Cold Spring: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Cold Spring: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Cold Spring: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Cold Spring: 22/100 · St. Cloud: 57/100
St. Cloud is 35 points higher.
Cold Spring: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Cold Spring: 21/100 · St. Cloud: 21/100
No gap.
Cold Spring: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
St. Cloud: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.