City vs city
North Topsail Beach vs Surf City, NC
Surf City currently scores 1 points higher overall than North Topsail Beach, with the largest gap in wildfire.
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
North Topsail Beach: 44/100 · Surf City: 45/100
Surf City is 1 points higher.
Flood
North Topsail Beach: 76/100 · Surf City: 53/100
North Topsail Beach is 23 points higher.
North Topsail Beach: FEMA NFHL flood zones: 6 features intersect this tile.
Surf City: FEMA NFHL flood zones: 27 features intersect this tile.
Wind
North Topsail Beach: 51/100 · Surf City: 50/100
North Topsail Beach is 1 points higher.
North Topsail Beach: Wind exposure derived from ingested design wind / climatology tiles.
Surf City: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
North Topsail Beach: 41/100 · Surf City: 44/100
Surf City is 3 points higher.
North Topsail Beach: Lightning exposure derived from ingested climatology tiles.
Surf City: Lightning exposure derived from ingested climatology tiles.
Tornado
North Topsail Beach: 0/100 · Surf City: 19/100
Surf City is 19 points higher.
North Topsail Beach: Tornado risk derived from NOAA SPC historical reports.
Surf City: Tornado risk derived from NOAA SPC historical reports.
Hail
North Topsail Beach: 8/100 · Surf City: 10/100
Surf City is 2 points higher.
North Topsail Beach: Hail risk derived from NOAA SPC historical reports.
Surf City: Hail risk derived from NOAA SPC historical reports.
Storm surge
North Topsail Beach: 99/100 · Surf City: 99/100
No gap.
North Topsail Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Surf City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
North Topsail Beach: 15/100 · Surf City: 65/100
Surf City is 50 points higher.
North Topsail Beach: Wildfire exposure derived from ingested fire potential tiles.
Surf City: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
North Topsail Beach: 18/100 · Surf City: 18/100
No gap.
North Topsail Beach: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Surf City: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.