City vs city
Charlotte vs Havelock, NC
Charlotte currently scores 7 points higher overall than Havelock, 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
Charlotte: 49/100 · Havelock: 42/100
Charlotte is 7 points higher.
Flood
Charlotte: 34/100 · Havelock: 50/100
Havelock is 16 points higher.
Charlotte: FEMA NFHL flood zones: 10 features intersect this tile.
Havelock: FEMA NFHL flood zones: 14 features intersect this tile.
Wind
Charlotte: 19/100 · Havelock: 43/100
Havelock is 24 points higher.
Charlotte: Wind exposure derived from ingested design wind / climatology tiles.
Havelock: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Charlotte: 43/100 · Havelock: 44/100
Havelock is 1 points higher.
Charlotte: Lightning exposure derived from ingested climatology tiles.
Havelock: Lightning exposure derived from ingested climatology tiles.
Tornado
Charlotte: 42/100 · Havelock: 12/100
Charlotte is 30 points higher.
Charlotte: Tornado risk derived from NOAA SPC historical reports.
Havelock: Tornado risk derived from NOAA SPC historical reports.
Hail
Charlotte: 100/100 · Havelock: 43/100
Charlotte is 57 points higher.
Charlotte: Hail risk derived from NOAA SPC historical reports.
Havelock: Hail risk derived from NOAA SPC historical reports.
Storm surge
Charlotte: Unavailable · Havelock: 98/100
A score difference cannot be calculated without both sources.
Charlotte: Storm surge model is not available for this location yet.
Havelock: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Charlotte: 68/100 · Havelock: 16/100
Charlotte is 52 points higher.
Charlotte: Wildfire exposure derived from ingested fire potential tiles.
Havelock: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Charlotte: 39/100 · Havelock: 29/100
Charlotte is 10 points higher.
Charlotte: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Havelock: Air quality signal derived from the latest EPA AirNow combined AQI grid.