City vs city
Owatonna vs St. Cloud, MN
St. Cloud currently scores 12 points higher overall than Owatonna, 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
Owatonna: 28/100 · St. Cloud: 40/100
St. Cloud is 12 points higher.
Flood
Owatonna: 42/100 · St. Cloud: 39/100
Owatonna is 3 points higher.
Owatonna: FEMA NFHL flood zones: 5 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Owatonna: 18/100 · St. Cloud: 18/100
No gap.
Owatonna: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Owatonna: 27/100 · St. Cloud: 31/100
St. Cloud is 4 points higher.
Owatonna: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Owatonna: 8/100 · St. Cloud: 12/100
St. Cloud is 4 points higher.
Owatonna: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Owatonna: 64/100 · St. Cloud: 100/100
St. Cloud is 36 points higher.
Owatonna: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Owatonna: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Owatonna: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Owatonna: 14/100 · St. Cloud: 57/100
St. Cloud is 43 points higher.
Owatonna: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Owatonna: 23/100 · St. Cloud: 21/100
Owatonna is 2 points higher.
Owatonna: 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.