City vs city
Minnetonka Beach vs St. Cloud, MN
St. Cloud currently scores 7 points higher overall than Minnetonka Beach, 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
Minnetonka Beach: 33/100 · St. Cloud: 40/100
St. Cloud is 7 points higher.
Flood
Minnetonka Beach: 73/100 · St. Cloud: 39/100
Minnetonka Beach is 34 points higher.
Minnetonka Beach: FEMA NFHL flood zones: 9 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Minnetonka Beach: 17/100 · St. Cloud: 18/100
St. Cloud is 1 points higher.
Minnetonka Beach: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Minnetonka Beach: 26/100 · St. Cloud: 31/100
St. Cloud is 5 points higher.
Minnetonka Beach: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Minnetonka Beach: 4/100 · St. Cloud: 12/100
St. Cloud is 8 points higher.
Minnetonka Beach: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Minnetonka Beach: 78/100 · St. Cloud: 100/100
St. Cloud is 22 points higher.
Minnetonka Beach: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Minnetonka Beach: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Minnetonka Beach: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Minnetonka Beach: 12/100 · St. Cloud: 57/100
St. Cloud is 45 points higher.
Minnetonka Beach: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Minnetonka Beach: 23/100 · St. Cloud: 21/100
Minnetonka Beach is 2 points higher.
Minnetonka Beach: 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.