City vs city
Martin Lake vs St. Cloud, MN
St. Cloud currently scores 7 points higher overall than Martin Lake, 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
Martin Lake: 33/100 · St. Cloud: 40/100
St. Cloud is 7 points higher.
Flood
Martin Lake: 85/100 · St. Cloud: 39/100
Martin Lake is 46 points higher.
Martin Lake: FEMA NFHL flood zones: 15 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Martin Lake: 17/100 · St. Cloud: 18/100
St. Cloud is 1 points higher.
Martin Lake: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Martin Lake: 29/100 · St. Cloud: 31/100
St. Cloud is 2 points higher.
Martin Lake: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Martin Lake: 4/100 · St. Cloud: 12/100
St. Cloud is 8 points higher.
Martin Lake: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Martin Lake: 27/100 · St. Cloud: 100/100
St. Cloud is 73 points higher.
Martin Lake: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Martin Lake: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Martin Lake: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Martin Lake: 44/100 · St. Cloud: 57/100
St. Cloud is 13 points higher.
Martin Lake: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Martin Lake: 26/100 · St. Cloud: 21/100
Martin Lake is 5 points higher.
Martin Lake: 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.