City vs city
Independence vs St. Charles, MO
Independence currently scores 1 points higher overall than St. Charles, with the largest gap in lightning.
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
Independence: 48/100 · St. Charles: 47/100
Independence is 1 points higher.
Flood
Independence: 50/100 · St. Charles: 55/100
St. Charles is 5 points higher.
Independence: FEMA NFHL flood zones: 11 features intersect this tile.
St. Charles: FEMA NFHL flood zones: 8 features intersect this tile.
Wind
Independence: 18/100 · St. Charles: 16/100
Independence is 2 points higher.
Independence: Wind exposure derived from ingested design wind / climatology tiles.
St. Charles: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Independence: 75/100 · St. Charles: 44/100
Independence is 31 points higher.
Independence: Lightning exposure derived from ingested climatology tiles.
St. Charles: Lightning exposure derived from ingested climatology tiles.
Tornado
Independence: 23/100 · St. Charles: 46/100
St. Charles is 23 points higher.
Independence: Tornado risk derived from NOAA SPC historical reports.
St. Charles: Tornado risk derived from NOAA SPC historical reports.
Hail
Independence: 100/100 · St. Charles: 100/100
No gap.
Independence: Hail risk derived from NOAA SPC historical reports.
St. Charles: Hail risk derived from NOAA SPC historical reports.
Storm surge
Independence: Unavailable · St. Charles: Unavailable
A score difference cannot be calculated without both sources.
Independence: Storm surge model is not available for this location yet.
St. Charles: Storm surge model is not available for this location yet.
Wildfire
Independence: 50/100 · St. Charles: 37/100
Independence is 13 points higher.
Independence: Wildfire exposure derived from ingested fire potential tiles.
St. Charles: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Independence: 22/100 · St. Charles: 28/100
St. Charles is 6 points higher.
Independence: Air quality signal derived from the latest EPA AirNow combined AQI grid.
St. Charles: Air quality signal derived from the latest EPA AirNow combined AQI grid.