City vs city
St. Cloud vs White Bear Lake, MN
White Bear Lake currently scores 3 points higher overall than St. Cloud, with the largest gap in tornado.
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
St. Cloud: 40/100 · White Bear Lake: 43/100
White Bear Lake is 3 points higher.
Flood
St. Cloud: 39/100 · White Bear Lake: 37/100
St. Cloud is 2 points higher.
St. Cloud: FEMA NFHL flood zones: 8 features intersect this tile.
White Bear Lake: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
St. Cloud: 18/100 · White Bear Lake: 17/100
St. Cloud is 1 points higher.
St. Cloud: Wind exposure derived from ingested design wind / climatology tiles.
White Bear Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
St. Cloud: 31/100 · White Bear Lake: 28/100
St. Cloud is 3 points higher.
St. Cloud: Lightning exposure derived from ingested climatology tiles.
White Bear Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
St. Cloud: 12/100 · White Bear Lake: 0/100
St. Cloud is 12 points higher.
St. Cloud: Tornado risk derived from NOAA SPC historical reports.
White Bear Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
St. Cloud: 100/100 · White Bear Lake: 100/100
No gap.
St. Cloud: Hail risk derived from NOAA SPC historical reports.
White Bear Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
St. Cloud: Unavailable · White Bear Lake: Unavailable
A score difference cannot be calculated without both sources.
St. Cloud: Storm surge model is not available for this location yet.
White Bear Lake: Storm surge model is not available for this location yet.
Wildfire
St. Cloud: 57/100 · White Bear Lake: 50/100
St. Cloud is 7 points higher.
St. Cloud: Wildfire exposure derived from ingested fire potential tiles.
White Bear Lake: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
St. Cloud: 21/100 · White Bear Lake: 26/100
White Bear Lake is 5 points higher.
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.
White Bear Lake: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.