City vs city
Charlotte vs Oak Island, NC
Charlotte currently scores 5 points higher overall than Oak Island, 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 · Oak Island: 44/100
Charlotte is 5 points higher.
Flood
Charlotte: 34/100 · Oak Island: 37/100
Oak Island is 3 points higher.
Charlotte: FEMA NFHL flood zones: 10 features intersect this tile.
Oak Island: FEMA NFHL flood zones: 9 features intersect this tile.
Wind
Charlotte: 19/100 · Oak Island: 53/100
Oak Island is 34 points higher.
Charlotte: Wind exposure derived from ingested design wind / climatology tiles.
Oak Island: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Charlotte: 43/100 · Oak Island: 45/100
Oak Island is 2 points higher.
Charlotte: Lightning exposure derived from ingested climatology tiles.
Oak Island: Lightning exposure derived from ingested climatology tiles.
Tornado
Charlotte: 42/100 · Oak Island: 4/100
Charlotte is 38 points higher.
Charlotte: Tornado risk derived from NOAA SPC historical reports.
Oak Island: Tornado risk derived from NOAA SPC historical reports.
Hail
Charlotte: 100/100 · Oak Island: 27/100
Charlotte is 73 points higher.
Charlotte: Hail risk derived from NOAA SPC historical reports.
Oak Island: Hail risk derived from NOAA SPC historical reports.
Storm surge
Charlotte: Unavailable · Oak Island: 99/100
A score difference cannot be calculated without both sources.
Charlotte: Storm surge model is not available for this location yet.
Oak Island: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Charlotte: 68/100 · Oak Island: 72/100
Oak Island is 4 points higher.
Charlotte: Wildfire exposure derived from ingested fire potential tiles.
Oak Island: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Charlotte: 39/100 · Oak Island: 17/100
Charlotte is 22 points higher.
Charlotte: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Oak Island: Air quality signal derived from the latest EPA AirNow combined AQI grid.