City vs city
Carmel vs Saratoga Springs, NY
Carmel and Saratoga Springs are tied on overall score, with the biggest factor difference 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 · Saratoga Springs: 35/100
No gap.
Flood
Carmel: 41/100 · Saratoga Springs: Unavailable
A score difference cannot be calculated without both sources.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Saratoga Springs: Flood model is not available for this location yet.
Wind
Carmel: 22/100 · Saratoga Springs: 18/100
Carmel is 4 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Saratoga Springs: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Saratoga Springs: 26/100
Saratoga Springs is 6 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Saratoga Springs: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Saratoga Springs: 8/100
Carmel is 23 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Saratoga Springs: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Saratoga Springs: 91/100
Saratoga Springs is 61 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Saratoga Springs: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Saratoga Springs: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Saratoga Springs: Storm surge model is not available for this location yet.
Wildfire
Carmel: 72/100 · Saratoga Springs: 72/100
No gap.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Saratoga Springs: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Carmel: 29/100 · Saratoga Springs: 28/100
Carmel is 1 points higher.
Carmel: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Saratoga Springs: Air quality signal derived from the latest EPA AirNow combined AQI grid.