City vs city
St. Cloud vs St. Joseph, MN
St. Cloud currently scores 2 points higher overall than St. Joseph, 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 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
St. Cloud: 40/100 · St. Joseph: 38/100
St. Cloud is 2 points higher.
Flood
St. Cloud: 39/100 · St. Joseph: 33/100
St. Cloud is 6 points higher.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
St. Joseph: FEMA NFHL flood zones: 3 features intersect this tile.
Wind
St. Cloud: 18/100 · St. Joseph: 18/100
No gap.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
St. Joseph: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
St. Cloud: 31/100 · St. Joseph: 32/100
St. Joseph is 1 points higher.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
St. Joseph: Lightning exposure derived from ingested climatology tiles.
Tornado
St. Cloud: 12/100 · St. Joseph: 12/100
No gap.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
St. Joseph: Tornado risk derived from NOAA SPC historical reports.
Hail
St. Cloud: 100/100 · St. Joseph: 100/100
No gap.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
St. Joseph: Hail risk derived from NOAA SPC historical reports.
Storm surge
St. Cloud: Unavailable · St. Joseph: Unavailable
A score difference cannot be calculated without both sources.
St. Cloud: Storm surge model is not available for this location yet.
St. Joseph: Storm surge model is not available for this location yet.
Wildfire
St. Cloud: 57/100 · St. Joseph: 48/100
St. Cloud is 9 points higher.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
St. Joseph: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
St. Cloud: 21/100 · St. Joseph: 21/100
No gap.
St. Cloud: Air quality signal derived from the latest EPA AirNow combined AQI grid.
St. Joseph: Air quality signal derived from the latest EPA AirNow combined AQI grid.