City vs city
Surf City vs Topsail Beach, NC
Topsail Beach currently scores 1 points higher overall than Surf City, 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 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
Surf City: 45/100 · Topsail Beach: 46/100
Topsail Beach is 1 points higher.
Flood
Surf City: 53/100 · Topsail Beach: 55/100
Topsail Beach is 2 points higher.
Surf City: FEMA NFHL flood zones: 27 features intersect this tile.
Topsail Beach: FEMA NFHL flood zones: 18 features intersect this tile.
Wind
Surf City: 50/100 · Topsail Beach: 50/100
No gap.
Surf City: Wind exposure derived from ingested design wind / climatology tiles.
Topsail Beach: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Surf City: 44/100 · Topsail Beach: 44/100
No gap.
Surf City: Lightning exposure derived from ingested climatology tiles.
Topsail Beach: Lightning exposure derived from ingested climatology tiles.
Tornado
Surf City: 19/100 · Topsail Beach: 19/100
No gap.
Surf City: Tornado risk derived from NOAA SPC historical reports.
Topsail Beach: Tornado risk derived from NOAA SPC historical reports.
Hail
Surf City: 10/100 · Topsail Beach: 18/100
Topsail Beach is 8 points higher.
Surf City: Hail risk derived from NOAA SPC historical reports.
Topsail Beach: Hail risk derived from NOAA SPC historical reports.
Storm surge
Surf City: 99/100 · Topsail Beach: 99/100
No gap.
Surf City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Topsail Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Surf City: 65/100 · Topsail Beach: 64/100
Surf City is 1 points higher.
Surf City: Wildfire exposure derived from ingested fire potential tiles.
Topsail Beach: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Surf City: 18/100 · Topsail Beach: 18/100
No gap.
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.
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.