City vs city
Houston vs Stephenville, TX
Houston currently scores 3 points higher overall than Stephenville, 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
Houston: 48/100 · Stephenville: 45/100
Houston is 3 points higher.
Flood
Houston: 40/100 · Stephenville: 34/100
Houston is 6 points higher.
Houston: FEMA NFHL flood zones: 20 features intersect this tile.
Stephenville: FEMA NFHL flood zones: 9 features intersect this tile.
Wind
Houston: 42/100 · Stephenville: 14/100
Houston is 28 points higher.
Houston: Wind exposure derived from ingested design wind / climatology tiles.
Stephenville: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Houston: 71/100 · Stephenville: 54/100
Houston is 17 points higher.
Houston: Lightning exposure derived from ingested climatology tiles.
Stephenville: Lightning exposure derived from ingested climatology tiles.
Tornado
Houston: 50/100 · Stephenville: 19/100
Houston is 31 points higher.
Houston: Tornado risk derived from NOAA SPC historical reports.
Stephenville: Tornado risk derived from NOAA SPC historical reports.
Hail
Houston: 58/100 · Stephenville: 100/100
Stephenville is 42 points higher.
Houston: Hail risk derived from NOAA SPC historical reports.
Stephenville: Hail risk derived from NOAA SPC historical reports.
Storm surge
Houston: Unavailable · Stephenville: Unavailable
A score difference cannot be calculated without both sources.
Houston: Storm surge model is not available for this location yet.
Stephenville: Storm surge model is not available for this location yet.
Wildfire
Houston: 51/100 · Stephenville: 65/100
Stephenville is 14 points higher.
Houston: Wildfire exposure derived from ingested fire potential tiles.
Stephenville: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Houston: 27/100 · Stephenville: 28/100
Stephenville is 1 points higher.
Houston: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Stephenville: Air quality signal derived from the latest EPA AirNow combined AQI grid.