Natural hazards · Bloom

Bloom, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bloom comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 238 claims here since 1978.

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

Expected damage

How exposed is Bloom?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloom to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves25%Tornadoes16%Heat waves7%Everything else3%

By hazard

What Bloom faces

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

Inland flooding

48% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 6 times a year in the area

Cold waves

25% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 83% of U.S. places

Heat waves

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Bloom flood?

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

238paid claims since 1978

$1.1Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Ike: 21 claims, $108K
Mid-spring storms: 2 claims, $13K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cook County.

Disasters that hit Bloom

Federal disasters declared here

None of the disasters declared for Cook County shows FEMA aid or repair money reaching Bloom itself in FEMA’s records.

Brought FEMA money into BloomDeclared for Cook County only

Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around Bloom

Bloom and the towns around it

Very lowLowModerateHighVery high

Thorntonmostly inland floodingVery high

Lansingmostly inland floodingHigh

Munstermostly inland floodingHigh

Homewoodmostly inland floodingHigh

Bloommostly inland floodingHigh

Flossmoormostly inland floodingModerate

Richmostly inland floodingModerate

Northmostly inland floodingModerate

Cretemostly inland floodingModerate

St. Johnmostly inland floodingModerate

Cretemostly inland floodingLow

Thorntonmostly inland floodingLow

Stegermostly 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. Bloom covers 22 census tracts, combined by population.

Money that reached townFlood claims are matched to Bloom’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bloom. 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 Bloom total about $44.9M 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.