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City vs state
How does Carmel compare with NY?
Carmel is most below the NY reference in hail (39 points lower).
Use this page to compare city-level risk against the statewide reference for relocation and planning. The benchmark is p85-based state reference, not an arithmetic average. Missing coverage is unavailable, not zero risk.
Score comparison
Overall
Carmel
35/100
NY
49/100
14 points below state reference.
Flood
Carmel
41/100
NY
61/100
20 points below state reference.
Wind
Carmel
22/100
NY
16/100
6 points above state reference.
Lightning
Carmel
20/100
NY
23/100
3 points below state reference.
Tornado
Carmel
31/100
NY
15/100
16 points above state reference.
Hail
Carmel
30/100
NY
69/100
39 points below state reference.
Storm surge
Carmel
Unavailable
NY
99/100
City score unavailable; no comparison.
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