Natural hazards · Bloomington

Bloomington, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bloomington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 26 claims here since 1979.

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

Expected damage

How exposed is Bloomington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomington to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves36%Tornadoes12%Everything else14%

By hazard

What Bloomington faces

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

Inland flooding

39% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Cold waves

36% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 89% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Bloomington flood?

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

26paid claims since 1979

$143Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLean County.

Disasters that hit Bloomington

Federal disasters declared here

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

Brought FEMA money into BloomingtonDeclared for McLean County only

McLean County has had 9 natural disasters declared since 1953, most often winter storms and ice storms.

Around Bloomington

Bloomington and the towns around it

Very lowLowModerateHighVery high

Old Townmostly inland floodingModerate

Dalemostly inland floodingModerate

Twin Grovemostly inland floodingModerate

Normalmostly inland floodingModerate

Bloomington Citymostly inland floodingModerate

Bloomingtonmostly inland floodingModerate

Towandamostly inland floodingModerate

Dry Grovemostly 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. Bloomington covers 17 census tracts, combined by population.

Money that reached townFlood claims are matched to Bloomington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bloomington. 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 Bloomington total about $23.1M 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.