City vs city
Hardwick vs Luverne, MN
Luverne currently scores 5 points higher overall than Hardwick, 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
Hardwick: 26/100 · Luverne: 31/100
Luverne is 5 points higher.
Flood
Hardwick: Unavailable · Luverne: Unavailable
A score difference cannot be calculated without both sources.
Hardwick: Flood model is not available for this location yet.
Luverne: Flood model is not available for this location yet.
Wind
Hardwick: 20/100 · Luverne: 20/100
No gap.
Hardwick: Wind exposure derived from ingested design wind / climatology tiles.
Luverne: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Hardwick: 47/100 · Luverne: 45/100
Hardwick is 2 points higher.
Hardwick: Lightning exposure derived from ingested climatology tiles.
Luverne: Lightning exposure derived from ingested climatology tiles.
Tornado
Hardwick: 0/100 · Luverne: 15/100
Luverne is 15 points higher.
Hardwick: Tornado risk derived from NOAA SPC historical reports.
Luverne: Tornado risk derived from NOAA SPC historical reports.
Hail
Hardwick: 42/100 · Luverne: 81/100
Luverne is 39 points higher.
Hardwick: Hail risk derived from NOAA SPC historical reports.
Luverne: Hail risk derived from NOAA SPC historical reports.
Storm surge
Hardwick: Unavailable · Luverne: Unavailable
A score difference cannot be calculated without both sources.
Hardwick: Storm surge model is not available for this location yet.
Luverne: Storm surge model is not available for this location yet.
Wildfire
Hardwick: 23/100 · Luverne: 34/100
Luverne is 11 points higher.
Hardwick: Wildfire exposure derived from ingested fire potential tiles.
Luverne: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Hardwick: 21/100 · Luverne: 21/100
No gap.
Hardwick: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Luverne: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.