City vs city
Luverne vs St. Cloud, MN
St. Cloud currently scores 9 points higher overall than Luverne, with the largest gap in wildfire.
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
Luverne: 31/100 · St. Cloud: 40/100
St. Cloud is 9 points higher.
Flood
Luverne: Unavailable · St. Cloud: 39/100
A score difference cannot be calculated without both sources.
Luverne: Flood model is not available for this location yet.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Luverne: 20/100 · St. Cloud: 18/100
Luverne is 2 points higher.
Luverne: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Luverne: 45/100 · St. Cloud: 31/100
Luverne is 14 points higher.
Luverne: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Luverne: 15/100 · St. Cloud: 12/100
Luverne is 3 points higher.
Luverne: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Luverne: 81/100 · St. Cloud: 100/100
St. Cloud is 19 points higher.
Luverne: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Luverne: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Luverne: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Luverne: 34/100 · St. Cloud: 57/100
St. Cloud is 23 points higher.
Luverne: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Luverne: 21/100 · St. Cloud: 21/100
No gap.
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.
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.