Natural hazards · Bloomingdale

Bloomingdale, FL natural hazards

Most of the natural-hazard damage FEMA expects in Bloomingdale comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 217 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bloomingdale?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomingdale to be higher than in 75% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes28%Tornadoes13%Cold waves10%Everything else5%

By hazard

What Bloomingdale faces

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

Inland flooding

45% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

28% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

13% of expected damage

Above average · higher than 68% of U.S. places

Cold waves

10% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHailHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic 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 Bloomingdale flood?

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

217paid claims since 1979

$10.7Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Milton: 59 claims, $5.1M
Hurricane Frances: 57 claims, $1.9M
Hurricane Irma: 29 claims, $2.3M

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hillsborough County.

Disasters that hit Bloomingdale

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Bloomingdale itself: aid to households, or repair grants to Bloomingdale.

Brought FEMA money into BloomingdaleDeclared for Hillsborough County only

2017

Hurricane Irma

2 households applied for aid

Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Bloomingdale

Bloomingdale and the towns around it

Very lowLowModerateHighVery high

Valricomostly inland floodingHigh

Bloomingdalemostly inland floodingHigh

Fish Hawkmostly inland floodingHigh

Riverviewmostly inland floodingHigh

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. Bloomingdale covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Bloomingdale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bloomingdale. 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 Bloomingdale total about $8.7M 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.