City vs city
Carmel vs Shirley, NY
Shirley currently scores 6 points higher overall than Carmel, with the largest gap in flood.
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 · Shirley: 41/100
Shirley is 6 points higher.
Flood
Carmel: 41/100 · Shirley: 66/100
Shirley is 25 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Shirley: FEMA NFHL flood zones: 14 features intersect this tile.
Wind
Carmel: 22/100 · Shirley: 36/100
Shirley is 14 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Shirley: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Shirley: 15/100
Carmel is 5 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Shirley: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Shirley: 8/100
Carmel is 23 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Shirley: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Shirley: 11/100
Carmel is 19 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Shirley: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Shirley: 95/100
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Shirley: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Carmel: 72/100 · Shirley: 68/100
Carmel is 4 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Shirley: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 29/100 · Shirley: 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.
Shirley: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.