City vs city
Carmel vs Cortland, NY
Cortland currently scores 1 points higher overall than Carmel, 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 is a current EPA AirNow signal; 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
Carmel: 35/100 · Cortland: 36/100
Cortland is 1 points higher.
Flood
Carmel: 41/100 · Cortland: 35/100
Carmel is 6 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Cortland: FEMA NFHL flood zones: 6 features intersect this tile.
Wind
Carmel: 22/100 · Cortland: 18/100
Carmel is 4 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Cortland: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Cortland: 13/100
Carmel is 7 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Cortland: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Cortland: 0/100
Carmel is 31 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Cortland: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Cortland: 65/100
Cortland is 35 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Cortland: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Cortland: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Cortland: Storm surge model is not available for this location yet.
Wildfire
Carmel: 72/100 · Cortland: 48/100
Carmel is 24 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Cortland: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Carmel: 29/100 · Cortland: 36/100
Cortland is 7 points higher.
Carmel: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Cortland: Air quality signal derived from the latest EPA AirNow combined AQI grid.