City vs city
St. Paul vs Two Harbors, MN
St. Paul currently scores 11 points higher overall than Two Harbors, 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 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. Paul: 37/100 · Two Harbors: 26/100
St. Paul is 11 points higher.
Flood
St. Paul: 39/100 · Two Harbors: 30/100
St. Paul is 9 points higher.
St. Paul: FEMA NFHL flood zones: 6 features intersect this tile.
Two Harbors: FEMA NFHL flood zones: 2 features intersect this tile.
Wind
St. Paul: 17/100 · Two Harbors: 15/100
St. Paul is 2 points higher.
St. Paul: Wind exposure derived from ingested design wind / climatology tiles.
Two Harbors: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
St. Paul: 27/100 · Two Harbors: 33/100
Two Harbors is 6 points higher.
St. Paul: Lightning exposure derived from ingested climatology tiles.
Two Harbors: Lightning exposure derived from ingested climatology tiles.
Tornado
St. Paul: 4/100 · Two Harbors: 0/100
St. Paul is 4 points higher.
St. Paul: Tornado risk derived from NOAA SPC historical reports.
Two Harbors: Tornado risk derived from NOAA SPC historical reports.
Hail
St. Paul: 100/100 · Two Harbors: 1/100
St. Paul is 99 points higher.
St. Paul: Hail risk derived from NOAA SPC historical reports.
Two Harbors: Hail risk derived from NOAA SPC historical reports.
Storm surge
St. Paul: Unavailable · Two Harbors: Unavailable
A score difference cannot be calculated without both sources.
St. Paul: Storm surge model is not available for this location yet.
Two Harbors: Storm surge model is not available for this location yet.
Wildfire
St. Paul: 47/100 · Two Harbors: 42/100
St. Paul is 5 points higher.
St. Paul: Wildfire exposure derived from ingested fire potential tiles.
Two Harbors: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
St. Paul: 26/100 · Two Harbors: 32/100
Two Harbors is 6 points higher.
St. Paul: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Two Harbors: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.