City vs city
Oak Harbor vs Toledo, OH
Toledo currently scores 3 points higher overall than Oak Harbor, 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 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
Oak Harbor: 44/100 · Toledo: 47/100
Toledo is 3 points higher.
Flood
Oak Harbor: 100/100 · Toledo: 65/100
Oak Harbor is 35 points higher.
Oak Harbor: FEMA NFHL flood zones: 8 features intersect this tile.
Toledo: FEMA NFHL flood zones: 13 features intersect this tile.
Wind
Oak Harbor: 17/100 · Toledo: 17/100
No gap.
Oak Harbor: Wind exposure derived from ingested design wind / climatology tiles.
Toledo: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Oak Harbor: 50/100 · Toledo: 37/100
Oak Harbor is 13 points higher.
Oak Harbor: Lightning exposure derived from ingested climatology tiles.
Toledo: Lightning exposure derived from ingested climatology tiles.
Tornado
Oak Harbor: 8/100 · Toledo: 46/100
Toledo is 38 points higher.
Oak Harbor: Tornado risk derived from NOAA SPC historical reports.
Toledo: Tornado risk derived from NOAA SPC historical reports.
Hail
Oak Harbor: 85/100 · Toledo: 100/100
Toledo is 15 points higher.
Oak Harbor: Hail risk derived from NOAA SPC historical reports.
Toledo: Hail risk derived from NOAA SPC historical reports.
Storm surge
Oak Harbor: Unavailable · Toledo: Unavailable
A score difference cannot be calculated without both sources.
Oak Harbor: Storm surge model is not available for this location yet.
Toledo: Storm surge model is not available for this location yet.
Wildfire
Oak Harbor: 11/100 · Toledo: 33/100
Toledo is 22 points higher.
Oak Harbor: Wildfire exposure derived from ingested fire potential tiles.
Toledo: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Oak Harbor: 37/100 · Toledo: 32/100
Oak Harbor is 5 points higher.
Oak Harbor: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Toledo: Air quality signal derived from the latest EPA AirNow combined AQI grid.