City vs city
Duluth vs White Bear Lake, MN
White Bear Lake currently scores 6 points higher overall than Duluth, 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
Duluth: 37/100 · White Bear Lake: 43/100
White Bear Lake is 6 points higher.
Flood
Duluth: 16/100 · White Bear Lake: 37/100
White Bear Lake is 21 points higher.
Duluth: FEMA NFHL flood zones: 3 features intersect this tile.
White Bear Lake: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
Duluth: 15/100 · White Bear Lake: 17/100
White Bear Lake is 2 points higher.
Duluth: Wind exposure derived from ingested design wind / climatology tiles.
White Bear Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Duluth: 33/100 · White Bear Lake: 28/100
Duluth is 5 points higher.
Duluth: Lightning exposure derived from ingested climatology tiles.
White Bear Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
Duluth: 4/100 · White Bear Lake: 0/100
Duluth is 4 points higher.
Duluth: Tornado risk derived from NOAA SPC historical reports.
White Bear Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
Duluth: 100/100 · White Bear Lake: 100/100
No gap.
Duluth: Hail risk derived from NOAA SPC historical reports.
White Bear Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
Duluth: Unavailable · White Bear Lake: Unavailable
A score difference cannot be calculated without both sources.
Duluth: Storm surge model is not available for this location yet.
White Bear Lake: Storm surge model is not available for this location yet.
Wildfire
Duluth: 59/100 · White Bear Lake: 50/100
Duluth is 9 points higher.
Duluth: Wildfire exposure derived from ingested fire potential tiles.
White Bear Lake: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Duluth: 32/100 · White Bear Lake: 26/100
Duluth is 6 points higher.
Duluth: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
White Bear Lake: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.