City vs city
Carmel vs Utica, NY
Carmel currently scores 3 points higher overall than Utica, with the largest gap 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 · Utica: 32/100
Carmel is 3 points higher.
Flood
Carmel: 41/100 · Utica: 26/100
Carmel is 15 points higher.
Carmel: FEMA NFHL flood zones: 7 features intersect this tile.
Utica: FEMA NFHL flood zones: 3 features intersect this tile.
Wind
Carmel: 22/100 · Utica: 18/100
Carmel is 4 points higher.
Carmel: Wind exposure derived from ingested design wind / climatology tiles.
Utica: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Carmel: 20/100 · Utica: 11/100
Carmel is 9 points higher.
Carmel: Lightning exposure derived from ingested climatology tiles.
Utica: Lightning exposure derived from ingested climatology tiles.
Tornado
Carmel: 31/100 · Utica: 8/100
Carmel is 23 points higher.
Carmel: Tornado risk derived from NOAA SPC historical reports.
Utica: Tornado risk derived from NOAA SPC historical reports.
Hail
Carmel: 30/100 · Utica: 83/100
Utica is 53 points higher.
Carmel: Hail risk derived from NOAA SPC historical reports.
Utica: Hail risk derived from NOAA SPC historical reports.
Storm surge
Carmel: Unavailable · Utica: Unavailable
A score difference cannot be calculated without both sources.
Carmel: Storm surge model is not available for this location yet.
Utica: Storm surge model is not available for this location yet.
Wildfire
Carmel: 72/100 · Utica: 43/100
Carmel is 29 points higher.
Carmel: Wildfire exposure derived from ingested fire potential tiles.
Utica: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Carmel: 29/100 · Utica: 36/100
Utica is 7 points higher.
Carmel: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Utica: Air quality signal derived from the latest EPA AirNow combined AQI grid.