City vs city
Carmel vs Highland-on-the-Lake, NY
Carmel currently scores 13 points higher overall than Highland-on-the-Lake, 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
Carmel: 35/100 · Highland-on-the-Lake: 22/100
Carmel is 13 points higher.
Flood
Carmel: 41/100 · Highland-on-the-Lake: 22/100
Carmel is 19 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Highland-on-the-Lake: FEMA NFHL flood zones: 9 features intersect this tile.
Wind
Carmel: 22/100 · Highland-on-the-Lake: 18/100
Carmel is 4 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Highland-on-the-Lake: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Highland-on-the-Lake: 32/100
Highland-on-the-Lake is 12 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Highland-on-the-Lake: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Highland-on-the-Lake: 0/100
Carmel is 31 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Highland-on-the-Lake: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Highland-on-the-Lake: 5/100
Carmel is 25 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Highland-on-the-Lake: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Highland-on-the-Lake: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Highland-on-the-Lake: Storm surge model is not available for this location yet.
Wildfire
Carmel: 72/100 · Highland-on-the-Lake: 14/100
Carmel is 58 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Highland-on-the-Lake: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 29/100 · Highland-on-the-Lake: 38/100
Highland-on-the-Lake is 9 points higher.
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.
Highland-on-the-Lake: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.