City vs city
Carmel vs Oak Beach, NY
Oak Beach currently scores 6 points higher overall than Carmel, 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 · Oak Beach: 41/100
Oak Beach is 6 points higher.
Flood
Carmel: 41/100 · Oak Beach: 98/100
Oak Beach is 57 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Oak Beach: FEMA NFHL flood zones: 14 features intersect this tile.
Wind
Carmel: 22/100 · Oak Beach: 34/100
Oak Beach is 12 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Oak Beach: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Oak Beach: 14/100
Carmel is 6 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Oak Beach: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Oak Beach: 0/100
Carmel is 31 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Oak Beach: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Oak Beach: 6/100
Carmel is 24 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Oak Beach: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Oak Beach: 98/100
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Oak Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Carmel: 72/100 · Oak Beach: 9/100
Carmel is 63 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Oak Beach: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 29/100 · Oak Beach: 29/100
No gap.
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.
Oak Beach: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.