Natural hazards · Bloomfield

Bloomfield, MO natural hazards

Most of the natural-hazard damage FEMA expects in Bloomfield comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 2011. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bloomfield?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bloomfield to be higher than in 81% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes48%Inland flooding17%Tornadoes10%Cold waves8%Heat waves7%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.

Earthquakes

48% of expected damage

Well above average · higher than 92% of U.S. places

Inland flooding

17% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 25 years in the area

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Heat waves

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Bloomfield flood?

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

3paid claims since 2011

$33Kpaid to owners

1homes flooded more than once

20112026

Biggest named events

Mid-spring storms: 1 claim, $4K

Homes that flooded again and again

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

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: Stoddard County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Bloomfield

7 federal disasters brought FEMA money here

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

Brought FEMA money into BloomfieldDeclared for Stoddard County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

4 households applied for aid

2011

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $60K aid approved

2009

Severe Winter Storm

$32K to the City of Bloomfield for repairs

2008

Severe Storms and Flooding

16 households applied for aid $16K aid approved

2008

Severe Winter Storms and Flooding

$41K to the City of Bloomfield for repairs

2006

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $461 aid approved

Stoddard County has had 22 natural disasters declared since 1953, most often severe storms and floods.

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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 City of Bloomfield. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.