City vs city
Charlotte vs Live Oak, TX
Live Oak currently scores 12 points higher overall than Charlotte, 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
Charlotte: 31/100 · Live Oak: 43/100
Live Oak is 12 points higher.
Flood
Charlotte: 25/100 · Live Oak: 26/100
Live Oak is 1 points higher.
Charlotte: FEMA NFHL flood zones: 6 features intersect this tile.
Live Oak: FEMA NFHL flood zones: 6 features intersect this tile.
Wind
Charlotte: 17/100 · Live Oak: 17/100
No gap.
Charlotte: Wind exposure derived from ingested design wind / climatology tiles.
Live Oak: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Charlotte: 44/100 · Live Oak: 37/100
Charlotte is 7 points higher.
Charlotte: Lightning exposure derived from ingested climatology tiles.
Live Oak: Lightning exposure derived from ingested climatology tiles.
Tornado
Charlotte: 0/100 · Live Oak: 38/100
Live Oak is 38 points higher.
Charlotte: Tornado risk derived from NOAA SPC historical reports.
Live Oak: Tornado risk derived from NOAA SPC historical reports.
Hail
Charlotte: 14/100 · Live Oak: 100/100
Live Oak is 86 points higher.
Charlotte: Hail risk derived from NOAA SPC historical reports.
Live Oak: Hail risk derived from NOAA SPC historical reports.
Storm surge
Charlotte: Unavailable · Live Oak: Unavailable
A score difference cannot be calculated without both sources.
Charlotte: Storm surge model is not available for this location yet.
Live Oak: Storm surge model is not available for this location yet.
Wildfire
Charlotte: 60/100 · Live Oak: 57/100
Charlotte is 3 points higher.
Charlotte: Wildfire exposure derived from ingested fire potential tiles.
Live Oak: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Charlotte: 28/100 · Live Oak: 28/100
No gap.
Charlotte: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Live Oak: Air quality signal derived from the latest EPA AirNow combined AQI grid.