Natural hazards · Bloomfield

Bloomfield, CT natural hazards

Most of the natural-hazard damage FEMA expects in Bloomfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 37 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bloomfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomfield to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding79%Everything else21%

By hazard

What Bloomfield faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

79% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bloomfield flood?

Every paid claim on a federal flood insurance policy in Bloomfield, from FEMA’s records.

37paid claims since 1979

$358Kpaid to owners

5homes flooded more than once

19792026

Biggest named events

Not a named storm: 6 claims, $13K
Hurricane Elsa: 1 claim, $4K
Hurricane Floyd: 1 claim, $383

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bloomfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: .

Around Bloomfield

Bloomfield and the towns around it

Very lowLowModerateHighVery high

Hartfordmostly inland floodingHigh

Simsburymostly inland floodingHigh

Avonmostly inland floodingHigh

West Hartfordmostly inland floodingModerate

Bloomfieldmostly inland floodingModerate

Windsormostly inland floodingModerate

East Granbymostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bloomfield covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Bloomfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Bloomfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bloomfield total about $7.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.