City vs city
Scandia vs St. Cloud, MN
St. Cloud currently scores 15 points higher overall than Scandia, 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
Scandia: 25/100 · St. Cloud: 40/100
St. Cloud is 15 points higher.
Flood
Scandia: 0/100 · St. Cloud: 39/100
St. Cloud is 39 points higher.
Scandia: FEMA NFHL flood zones: 0 features intersect this tile.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Scandia: 17/100 · St. Cloud: 18/100
St. Cloud is 1 points higher.
Scandia: Wind exposure derived from ingested design wind / climatology tiles.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Scandia: 30/100 · St. Cloud: 31/100
St. Cloud is 1 points higher.
Scandia: Lightning exposure derived from ingested climatology tiles.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
Tornado
Scandia: 0/100 · St. Cloud: 12/100
St. Cloud is 12 points higher.
Scandia: Tornado risk derived from NOAA SPC historical reports.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
Hail
Scandia: 37/100 · St. Cloud: 100/100
St. Cloud is 63 points higher.
Scandia: Hail risk derived from NOAA SPC historical reports.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
Storm surge
Scandia: Unavailable · St. Cloud: Unavailable
A score difference cannot be calculated without both sources.
Scandia: Storm surge model is not available for this location yet.
St. Cloud: Storm surge model is not available for this location yet.
Wildfire
Scandia: 40/100 · St. Cloud: 57/100
St. Cloud is 17 points higher.
Scandia: Wildfire exposure derived from ingested fire potential tiles.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Scandia: 26/100 · St. Cloud: 21/100
Scandia is 5 points higher.
Scandia: 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.