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Natural hazards · Bloomfield

Bloomfield, MI natural hazards

Most of the natural-hazard damage FEMA expects in Bloomfield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 15 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Bloomfield?

16
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomfield to be higher than in 16% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes26%Cold waves13%Everything else9%
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

52% of expected damage
Below average · higher than 26% of U.S. places
Recorded about once a year in the area

Tornadoes

26% of expected damage
Well above average · higher than 86% of U.S. places

Cold waves

13% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

15paid claims since 1978
$590Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Hurricane Ike: 1 claim, $4K
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: Oakland County.
Disasters that hit Bloomfield

4 federal disasters brought FEMA money here

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

Brought FEMA money into BloomfieldDeclared for Oakland County only
2023

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $41K aid approved
2021

Severe Storms, Flooding, and Tornadoes

1 household applied for aid
2014

Severe Storms and Flooding

5 households applied for aid
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $76 aid approved
Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Bloomfield

Bloomfield and the towns around it

Birmingham: Low, mostly inland floodingPontiac: Very low, mostly inland floodingBloomfield Hills: Very low, mostly inland floodingWest Bloomfield: Very low, mostly inland floodingSouthfield: Low, mostly inland floodingFranklin: Very low, mostly inland floodingTroy: Very low, mostly inland floodingBeverly Hills: Low, mostly inland floodingAuburn Hills: Very low, mostly inland floodingFarmington Hills: Very low, mostly inland floodingWaterford: Very low, mostly inland floodingLake Angelus: Very low, mostly inland floodingSylvan Lake: Low, mostly inland floodingOrchard Lake Village: Very low, mostly inland floodingCommerce: Very low, mostly inland floodingKeego Harbor: Low, mostly inland floodingSouthfield: Very low, mostly inland floodingBingham Farms: Very low, mostly inland floodingRoyal Oak: Low, mostly inland floodingMadison Heights: Low, mostly inland floodingSterling Heights: Moderate, mostly inland floodingClawson: Low, mostly inland floodingRochester Hills: Very low, mostly inland floodingOrion: Very low, mostly inland floodingIndependence: Very low, mostly inland floodingFarmington: Very low, mostly inland floodingNovi: Very low, mostly inland floodingLivonia: Very low, mostly inland floodingBloomfield: Very low, mostly inland flooding BloomfieldBirminghamPontiacBloomfield HillsWest BloomfieldSouthfieldFranklinTroyBeverly HillsAuburn HillsFarmington Hills
Very lowLowModerateHighVery high
Beverly Hillsmostly inland floodingLow
Southfieldmostly inland floodingLow
Birminghammostly inland floodingLow
Troymostly inland floodingVery low
Auburn Hillsmostly inland floodingVery low
West Bloomfieldmostly inland floodingVery low
Bloomfieldmostly inland floodingVery low
Farmington Hillsmostly inland floodingVery low
Pontiacmostly inland floodingVery low
Franklinmostly inland floodingVery low
Bloomfield Hillsmostly inland floodingVery low
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 11 census tracts, combined by population.
Money that reached townFlood claims are matched to Bloomfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $15.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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