City vs city
North Oaks vs St. Cloud, MN
North Oaks currently scores 3 points higher overall than St. Cloud, with the largest gap in flood.
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
North Oaks: 43/100 · St. Cloud: 40/100
North Oaks is 3 points higher.
Flood
North Oaks: 74/100 · St. Cloud: 39/100
North Oaks is 35 points higher.
North Oaks: FEMA NFHL flood zones: 19 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
North Oaks: 17/100 · St. Cloud: 18/100
St. Cloud is 1 points higher.
North Oaks: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
North Oaks: 29/100 · St. Cloud: 31/100
St. Cloud is 2 points higher.
North Oaks: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
North Oaks: 31/100 · St. Cloud: 12/100
North Oaks is 19 points higher.
North Oaks: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
North Oaks: 72/100 · St. Cloud: 100/100
St. Cloud is 28 points higher.
North Oaks: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
North Oaks: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
North Oaks: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
North Oaks: 55/100 · St. Cloud: 57/100
St. Cloud is 2 points higher.
North Oaks: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
North Oaks: 26/100 · St. Cloud: 21/100
North Oaks is 5 points higher.
North Oaks: 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.