St. Bridget's Roman Catholic Church Complex · Photo: DanielPenfield · CC BY-SA 4.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than East Bloomfield, mostly from river and rain flooding
On FEMA’s National Risk Index, East Bloomfield gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #15 of 758 in New York. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 3 claims here since 2015.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What East Bloomfield faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind East Bloomfield’s grade
River and rain flooding is 90% of the building damage FEMA expects in East Bloomfield, and East Bloomfield’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts.
A+ #15 of 758 in New York; among the lowest expected damage per building of U.S. towns (21,298).
All of East Bloomfield’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, East Bloomfield has less expected damage per building than 98% of New York towns.
In dollars, FEMA expects about $633K a year in losses across East Bloomfield: $457K to buildings, the rest to people and crops.
Does East Bloomfield flood? Rarely: 3 flood claims since 2015
Every paid claim on a federal flood insurance policy in East Bloomfield, from FEMA’s records: 1.7 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
East 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: Ontario County.3 federal disasters brought FEMA money to East Bloomfield
Disasters that paid out in East Bloomfield itself (aid to households or repair grants to the Town of East Bloomfield), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$9K to the Town of East Bloomfield for repairs
- 2003Ice Storm$11K to the Town of East Bloomfield for repairs
- 1999Snow$10K to the Town of East Bloomfield for repairs
Ontario County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of East Bloomfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the East Bloomfield archive →East Bloomfield and its neighbors
East Bloomfield has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| East Bloomfield | A+among the lowest damage | river and rain flooding | 3 |
| West Bloomfield | Aless damage than 93% | river and rain flooding | — |
| Bristol | Aless damage than 89% | river and rain flooding | 1 |
| Victor | Aless damage than 88% | river and rain flooding | 2 |
| Canandaigua | — | not graded yet | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what East Bloomfield faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in East Bloomfield
Is East Bloomfield at risk for natural disasters?
On FEMA’s National Risk Index, East Bloomfield has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #15 of 758 in New York. Most of the expected damage is river and rain flooding (90%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does East Bloomfield flood?
Flood insurance has paid 3 claims in East Bloomfield since 2015, $136K in all, or 1.7 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is East Bloomfield in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Ontario County, 0.7% of all homes carry federal flood insurance.
How much is flood insurance in East Bloomfield?
FEMA’s Community Rating System list shows no discount for East Bloomfield’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in East Bloomfield?
By FEMA money that reached East Bloomfield, Ice Storm (2003): $11K to the Town of East Bloomfield for repairs.
Is East Bloomfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and East Bloomfield’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in East Bloomfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where East Bloomfield’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.