Harding vs St. Cloud, MN

St. Cloud currently scores 14 points higher overall than Harding, with the largest gap in hail.

Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.

Harding

26/100

St. Cloud

40/100

Hazard breakdown

Overall

Harding: 26/100 · St. Cloud: 40/100

St. Cloud is 14 points higher.

Flood

Harding: 35/100 · St. Cloud: 39/100

St. Cloud is 4 points higher.

Wind

Harding: 17/100 · St. Cloud: 18/100

St. Cloud is 1 points higher.

Lightning

Harding: 29/100 · St. Cloud: 31/100

St. Cloud is 2 points higher.

Tornado

Harding: 8/100 · St. Cloud: 12/100

St. Cloud is 4 points higher.

Hail

Harding: 11/100 · St. Cloud: 100/100

St. Cloud is 89 points higher.

Storm surge

Harding: 0/100 · St. Cloud: 0/100

No gap.

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