City vs city
Carmel vs St. James, NY
Carmel currently scores 4 points higher overall than St. James, with the largest gap in tornado.
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 · St. James: 31/100
Carmel is 4 points higher.
Flood
Carmel: 41/100 · St. James: 28/100
Carmel is 13 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
St. James: FEMA NFHL flood zones: 2 features intersect this tile.
Wind
Carmel: 22/100 · St. James: 32/100
St. James is 10 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
St. James: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · St. James: 14/100
Carmel is 6 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
St. James: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · St. James: 12/100
Carmel is 19 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
St. James: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · St. James: 16/100
Carmel is 14 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
St. James: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · St. James: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
St. James: Storm surge model is not available for this location yet.
Wildfire
Carmel: 72/100 · St. James: 71/100
Carmel is 1 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
St. James: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Carmel: 29/100 · St. James: 42/100
St. James is 13 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.
St. James: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.