City vs city
Carmel vs Lloyd Harbor, NY
Carmel currently scores 1 points higher overall than Lloyd Harbor, 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 · Lloyd Harbor: 34/100
Carmel is 1 points higher.
Flood
Carmel: 41/100 · Lloyd Harbor: 38/100
Carmel is 3 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Lloyd Harbor: FEMA NFHL flood zones: 6 features intersect this tile.
Wind
Carmel: 22/100 · Lloyd Harbor: 27/100
Lloyd Harbor is 5 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Lloyd Harbor: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Lloyd Harbor: 17/100
Carmel is 3 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Lloyd Harbor: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Lloyd Harbor: 0/100
Carmel is 31 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Lloyd Harbor: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Lloyd Harbor: 3/100
Carmel is 27 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Lloyd Harbor: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Lloyd Harbor: 99/100
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Lloyd Harbor: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Carmel: 72/100 · Lloyd Harbor: 13/100
Carmel is 59 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Lloyd Harbor: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 29/100 · Lloyd Harbor: 43/100
Lloyd Harbor is 14 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.
Lloyd Harbor: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.