City vs city
Smithville vs Surf City, NJ
Smithville currently scores 18 points higher overall than Surf City, 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
Smithville: 47/100 · Surf City: 29/100
Smithville is 18 points higher.
Flood
Smithville: 68/100 · Surf City: 24/100
Smithville is 44 points higher.
Smithville: FEMA NFHL flood zones: 6 features intersect this tile.
Surf City: FEMA NFHL flood zones: 9 features intersect this tile.
Wind
Smithville: 31/100 · Surf City: 34/100
Surf City is 3 points higher.
Smithville: Wind exposure derived from ingested design wind / climatology tiles.
Surf City: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Smithville: 17/100 · Surf City: 16/100
Smithville is 1 points higher.
Smithville: Lightning exposure derived from ingested climatology tiles.
Surf City: Lightning exposure derived from ingested climatology tiles.
Tornado
Smithville: 0/100 · Surf City: 8/100
Surf City is 8 points higher.
Smithville: Tornado risk derived from NOAA SPC historical reports.
Surf City: Tornado risk derived from NOAA SPC historical reports.
Hail
Smithville: 20/100 · Surf City: 6/100
Smithville is 14 points higher.
Smithville: Hail risk derived from NOAA SPC historical reports.
Surf City: Hail risk derived from NOAA SPC historical reports.
Storm surge
Smithville: 98/100 · Surf City: 96/100
Smithville is 2 points higher.
Smithville: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Surf City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Smithville: 62/100 · Surf City: 13/100
Smithville is 49 points higher.
Smithville: Wildfire exposure derived from ingested fire potential tiles.
Surf City: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Smithville: 32/100 · Surf City: 34/100
Surf City is 2 points higher.
Smithville: 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.