City vs city
Stephenville vs Tolar, TX
Stephenville currently scores 11 points higher overall than Tolar, 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
Stephenville: 45/100 · Tolar: 34/100
Stephenville is 11 points higher.
Flood
Stephenville: 34/100 · Tolar: 27/100
Stephenville is 7 points higher.
Stephenville: FEMA NFHL flood zones: 9 features intersect this tile.
Tolar: FEMA NFHL flood zones: 4 features intersect this tile.
Wind
Stephenville: 14/100 · Tolar: 14/100
No gap.
Stephenville: Wind exposure derived from ingested design wind / climatology tiles.
Tolar: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Stephenville: 54/100 · Tolar: 53/100
Stephenville is 1 points higher.
Stephenville: Lightning exposure derived from ingested climatology tiles.
Tolar: Lightning exposure derived from ingested climatology tiles.
Tornado
Stephenville: 19/100 · Tolar: 15/100
Stephenville is 4 points higher.
Stephenville: Tornado risk derived from NOAA SPC historical reports.
Tolar: Tornado risk derived from NOAA SPC historical reports.
Hail
Stephenville: 100/100 · Tolar: 52/100
Stephenville is 48 points higher.
Stephenville: Hail risk derived from NOAA SPC historical reports.
Tolar: Hail risk derived from NOAA SPC historical reports.
Storm surge
Stephenville: Unavailable · Tolar: Unavailable
A score difference cannot be calculated without both sources.
Stephenville: Storm surge model is not available for this location yet.
Tolar: Storm surge model is not available for this location yet.
Wildfire
Stephenville: 65/100 · Tolar: 52/100
Stephenville is 13 points higher.
Stephenville: Wildfire exposure derived from ingested fire potential tiles.
Tolar: Wildfire exposure derived from ingested fire potential tiles.
Current air quality
Stephenville: 28/100 · Tolar: 28/100
No gap.
Stephenville: Air quality signal derived from the latest EPA AirNow combined AQI grid.
Tolar: Air quality signal derived from the latest EPA AirNow combined AQI grid.