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City vs city
Hayward vs St. Cloud, MN
St. Cloud currently scores 19 points higher overall than Hayward, with the largest gap in hail.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Overall
Hayward: 20/100 · St. Cloud: 39/100
St. Cloud is 19 points higher.
Flood
Hayward: 33/100 · St. Cloud: 39/100
St. Cloud is 6 points higher.
Wind
Hayward: 18/100 · St. Cloud: 18/100
No gap.
Lightning
Hayward: 29/100 · St. Cloud: 31/100
St. Cloud is 2 points higher.
Tornado
Hayward: 12/100 · St. Cloud: 12/100
No gap.
Hail
Hayward: 24/100 · St. Cloud: 100/100
St. Cloud is 76 points higher.
Storm surge
Hayward: 0/100 · St. Cloud: 0/100
No gap.