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City vs city
Howard Lake vs St. Cloud, MN
St. Cloud currently scores 18 points higher overall than Howard Lake, with the largest gap in hail.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Overall
Howard Lake: 21/100 · St. Cloud: 39/100
St. Cloud is 18 points higher.
Flood
Howard Lake: 30/100 · St. Cloud: 39/100
St. Cloud is 9 points higher.
Wind
Howard Lake: 18/100 · St. Cloud: 18/100
No gap.
Lightning
Howard Lake: 23/100 · St. Cloud: 31/100
St. Cloud is 8 points higher.
Tornado
Howard Lake: 8/100 · St. Cloud: 12/100
St. Cloud is 4 points higher.
Hail
Howard Lake: 42/100 · St. Cloud: 100/100
St. Cloud is 58 points higher.
Storm surge
Howard Lake: 0/100 · St. Cloud: 0/100
No gap.