City vs city
Belle Terre vs Carmel, NY
Belle Terre currently scores 4 points higher overall than Carmel, with the largest gap in tornado.
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
Belle Terre: 39/100 · Carmel: 35/100
Belle Terre is 4 points higher.
Flood
Belle Terre: 29/100 · Carmel: 41/100
Carmel is 12 points higher.
Belle Terre: FEMA NFHL flood zones: 6 features intersect this tile.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Wind
Belle Terre: 31/100 · Carmel: 22/100
Belle Terre is 9 points higher.
Belle Terre: Wind exposure derived from ingested design wind / climatology tiles.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Belle Terre: 15/100 · Carmel: 20/100
Carmel is 5 points higher.
Belle Terre: Lightning exposure derived from ingested climatology tiles.
Carmel: Lightning exposure derived from ingested climatology tiles.
Tornado
Belle Terre: 8/100 · Carmel: 31/100
Carmel is 23 points higher.
Belle Terre: Tornado risk derived from NOAA SPC historical reports.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Hail
Belle Terre: 29/100 · Carmel: 30/100
Carmel is 1 points higher.
Belle Terre: Hail risk derived from NOAA SPC historical reports.
Carmel: Hail risk derived from NOAA SPC historical reports.
Storm surge
Belle Terre: 99/100 · Carmel: Unavailable
A score difference cannot be calculated without both sources.
Belle Terre: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Carmel: Storm surge model is not available for this location yet.
Wildfire
Belle Terre: 51/100 · Carmel: 72/100
Carmel is 21 points higher.
Belle Terre: Wildfire exposure derived from ingested fire potential tiles.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Belle Terre: 51/100 · Carmel: 29/100
Belle Terre is 22 points higher.
Belle Terre: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Carmel: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.