City vs city
Bay City vs Wharton, TX
Wharton currently scores 2 points higher overall than Bay City, 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
Bay City: 40/100 · Wharton: 42/100
Wharton is 2 points higher.
Flood
Bay City: 52/100 · Wharton: 68/100
Wharton is 16 points higher.
Bay City: FEMA NFHL flood zones: 19 features intersect this tile.
Wharton: FEMA NFHL flood zones: 13 features intersect this tile.
Wind
Bay City: 49/100 · Wharton: 41/100
Bay City is 8 points higher.
Bay City: Wind exposure derived from ingested design wind / climatology tiles.
Wharton: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Bay City: 47/100 · Wharton: 58/100
Wharton is 11 points higher.
Bay City: Lightning exposure derived from ingested climatology tiles.
Wharton: Lightning exposure derived from ingested climatology tiles.
Tornado
Bay City: 31/100 · Wharton: 38/100
Wharton is 7 points higher.
Bay City: Tornado risk derived from NOAA SPC historical reports.
Wharton: Tornado risk derived from NOAA SPC historical reports.
Hail
Bay City: 30/100 · Wharton: 24/100
Bay City is 6 points higher.
Bay City: Hail risk derived from NOAA SPC historical reports.
Wharton: Hail risk derived from NOAA SPC historical reports.
Storm surge
Bay City: 40/100 · Wharton: Unavailable
A score difference cannot be calculated without both sources.
Bay City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wharton: Storm surge model is not available for this location yet.
Wildfire
Bay City: 40/100 · Wharton: 33/100
Bay City is 7 points higher.
Bay City: Wildfire exposure derived from ingested fire potential tiles.
Wharton: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Bay City: 30/100 · Wharton: 29/100
Bay City is 1 points higher.
Bay City: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Wharton: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.