Natural hazards · Bloomfield Hills

Bloomfield Hills, MI natural hazards

Most of the natural-hazard damage FEMA expects in Bloomfield Hills comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1989. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bloomfield Hills?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomfield Hills to be higher than in 11% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes25%Cold waves7%Everything else10%

By hazard

What Bloomfield Hills faces

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

Inland flooding

58% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

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

Cold waves

7% 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 Hills flood?

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

5paid claims since 1989

$43Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bloomfield Hills 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 Hills

4 federal disasters brought FEMA money here

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

Brought FEMA money into Bloomfield HillsDeclared for Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

114 households applied for aid $309K aid approved

2021

Severe Storms, Flooding, and Tornadoes

101 households applied for aid $166K aid approved

2014

Severe Storms and Flooding

43 households applied for aid $29K aid approved

2004

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $17K aid approved

Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Bloomfield Hills

Bloomfield Hills and the towns around it

Very lowLowModerateHighVery high

Bloomfieldmostly 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 Hills covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bloomfield Hills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bloomfield Hills. 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 Hills total about $2.6M 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.