City vs city
Pine Island vs St. Cloud, MN
St. Cloud currently scores 11 points higher overall than Pine Island, 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 is a current EPA AirNow signal; 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
Pine Island: 29/100 · St. Cloud: 40/100
St. Cloud is 11 points higher.
Flood
Pine Island: 39/100 · St. Cloud: 39/100
No gap.
Pine Island: FEMA NFHL flood zones: 9 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Pine Island: 17/100 · St. Cloud: 18/100
St. Cloud is 1 points higher.
Pine Island: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Pine Island: 26/100 · St. Cloud: 31/100
St. Cloud is 5 points higher.
Pine Island: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Pine Island: 0/100 · St. Cloud: 12/100
St. Cloud is 12 points higher.
Pine Island: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Pine Island: 52/100 · St. Cloud: 100/100
St. Cloud is 48 points higher.
Pine Island: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Pine Island: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Pine Island: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Pine Island: 23/100 · St. Cloud: 57/100
St. Cloud is 34 points higher.
Pine Island: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Pine Island: 14/100 · St. Cloud: 21/100
St. Cloud is 7 points higher.
Pine Island: Air quality signal derived from the latest EPA AirNow combined AQI grid.
St. Cloud: Air quality signal derived from the latest EPA AirNow combined AQI grid.