Most Hoosiers would probably agree that Mother Nature can be a cruel mistress when it comes to the weather in Indiana. Recently, WalletHub, a personal finance social media network, released “2014’s Cities with the Best and Worst Weather.” Needless to say, northern Indiana did not fare so well.

On the list, the western part of the US ranked the highest. In the “Best Cities for Mild Weather Lovers,” Glendale, Calif. took the top spot, followed by Bakersfield, Calif., Henderson, Nev., Las Cruces, N.M., and Saint George, Utah.

Way down in the bottom ten, dubbed the “Worst Cities for Mild Weather Lovers,” Indianapolis came in at number 98, and Chicago ranked 92. Also on the list: Baltimore, Washington D.C., and Buffalo, N.Y. – notorious for its frigid winters, humid summers and brief transitional seasons.

In another list, entitled “Best Cities for Lovers of Individual Seasons,” California again reigned supreme. Modesto, Calif. took the number one slot, along with six other Californian cities, North Las Vegas, and Midland, Texas.

Again, the greater Michiana area brought up the rear. Fort Wayne ranked at 96, while Grand Rapids, Mich. took the 98 slot. Warsaw’s neighbors found themselves in the company of Houston, Texas, Elizabeth, N.J., and Jureau, Ark.

Not all of Indiana’s cities were given such poor marks. Fishers made a decent showing on both lists. Carmel and Evansville showed up about halfway down the “Best Cities for Lovers of Individual Seasons” list, but Bloomington shows up much further down, and South Bend ranked just slightly higher than Chicago.

WalletHub compared 600 of the US’s largest cities, weighing factors like humidity, snowfall, and odds of extreme weather to ” help consumers weatherproof their finances against the elements.” Weather can have a significant impact on finances and economics. Richie Bernardo of WalletHub noted Hurricane Sandy’s affect on New Jersey. The state saw unemployment more than double following the storm that ravaged the north Atlantic coast in 2012.

Kosciusko County knows all to well the financial burden that accompanies frigid winters and hot summers. Given that the local area has been hit with droughts, polar vortices and tornadoes in recent past, WalletHub’s rankings are understandable.

In the summer 2012, when Indiana was gripped by a drought, local agriculture took a bit of a financial hit. And the record winter of 2014 robbed Kosciusko’s highway department of funds thanks to snow removal and pothole repair costs.

Still, despite Indiana’s poor standing, more than 250,000 people in Fort Wayne, nearly a million in Indianapolis, and approximately 80,000 in Kosciusko County call the Hoosier state home. Some may have their complaints about the weather, but with those kind of numbers, it’s safe to say, “Indiana is not that bad.”

Also, it should be noted that Indiana did not contain the coldest city, most humid city, cloudiest city or windiest city. Fairbanks, Alaska took the honor of being the coldest city in the US. Hilo, Hawaii was found to be the most humid, and Amarillo, Texas – not Chicago – took the title of windiest city.

To see the full WalletHub list, or other financial information, visit wallethub.com/edu.