City vs city
Charlotte vs St. James, NC
St. James currently scores 4 points higher overall than Charlotte, with the largest gap in wind.
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
Charlotte: 40/100 · St. James: 44/100
St. James is 4 points higher.
Flood
Charlotte: 36/100 · St. James: 37/100
St. James is 1 points higher.
Charlotte: FEMA NFHL flood zones: 15 features intersect this tile.
St. James: FEMA NFHL flood zones: 9 features intersect this tile.
Wind
Charlotte: 19/100 · St. James: 53/100
St. James is 34 points higher.
Charlotte: Wind exposure derived from ingested design wind / climatology tiles.
St. James: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Charlotte: 45/100 · St. James: 45/100
No gap.
Charlotte: Lightning exposure derived from ingested climatology tiles.
St. James: Lightning exposure derived from ingested climatology tiles.
Tornado
Charlotte: 27/100 · St. James: 4/100
Charlotte is 23 points higher.
Charlotte: Tornado risk derived from NOAA SPC historical reports.
St. James: Tornado risk derived from NOAA SPC historical reports.
Hail
Charlotte: 37/100 · St. James: 27/100
Charlotte is 10 points higher.
Charlotte: Hail risk derived from NOAA SPC historical reports.
St. James: Hail risk derived from NOAA SPC historical reports.
Storm surge
Charlotte: Unavailable · St. James: 99/100
A score difference cannot be calculated without both sources.
Charlotte: Storm surge model is not available for this location yet.
St. James: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Charlotte: 72/100 · St. James: 72/100
No gap.
Charlotte: Wildfire exposure derived from ingested fire potential tiles.
St. James: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Charlotte: 47/100 · St. James: 17/100
Charlotte is 30 points higher.
Charlotte: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
St. James: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.