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 low for a U.S. community. Flood insurance has paid 12 claims here since 1981.

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

Expected damage

How exposed is Bloomfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomfield to be higher than in 22% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves29%Everything else18%

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

54% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 2 years in the area

Cold waves

29% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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.

12paid claims since 1981

$571Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Huron County.

Disasters that hit Bloomfield

Federal disasters declared here

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

Brought FEMA money into BloomfieldDeclared for Huron County only

Huron County has had 6 natural disasters declared since 1953, most often floods and winter storms.

Around Bloomfield

Bloomfield and the towns around it

Very lowLowModerateHighVery high

Lincolnmostly inland floodingLow

Bloomfieldmostly inland floodingLow

Huronmostly inland floodingLow

Sigelmostly 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. Bloomfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bloomfield’s own flood-insurance community; 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 $1.4M 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.