City vs city
Hermantown vs St. Cloud, MN
St. Cloud currently scores 1 points higher overall than Hermantown, 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
Hermantown: 39/100 · St. Cloud: 40/100
St. Cloud is 1 points higher.
Flood
Hermantown: 37/100 · St. Cloud: 39/100
St. Cloud is 2 points higher.
Hermantown: FEMA NFHL flood zones: 6 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Hermantown: 15/100 · St. Cloud: 18/100
St. Cloud is 3 points higher.
Hermantown: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Hermantown: 31/100 · St. Cloud: 31/100
No gap.
Hermantown: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Hermantown: 0/100 · St. Cloud: 12/100
St. Cloud is 12 points higher.
Hermantown: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Hermantown: 54/100 · St. Cloud: 100/100
St. Cloud is 46 points higher.
Hermantown: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Hermantown: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Hermantown: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Hermantown: 63/100 · St. Cloud: 57/100
Hermantown is 6 points higher.
Hermantown: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Hermantown: 32/100 · St. Cloud: 21/100
Hermantown is 11 points higher.
Hermantown: 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.