City vs city
Ogema vs St. Cloud, MN
St. Cloud currently scores 5 points higher overall than Ogema, 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
Ogema: 35/100 · St. Cloud: 40/100
St. Cloud is 5 points higher.
Flood
Ogema: 14/100 · St. Cloud: 39/100
St. Cloud is 25 points higher.
Ogema: FEMA NFHL flood zones: 1 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Ogema: 18/100 · St. Cloud: 18/100
No gap.
Ogema: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Ogema: 15/100 · St. Cloud: 31/100
St. Cloud is 16 points higher.
Ogema: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Ogema: 27/100 · St. Cloud: 12/100
Ogema is 15 points higher.
Ogema: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Ogema: 67/100 · St. Cloud: 100/100
St. Cloud is 33 points higher.
Ogema: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Ogema: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Ogema: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Ogema: 72/100 · St. Cloud: 57/100
Ogema is 15 points higher.
Ogema: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Ogema: 32/100 · St. Cloud: 21/100
Ogema is 11 points higher.
Ogema: 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.