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Eagleport St. Saviour by the RiverPhoto: Nyttend · Public domain
–Not graded
Natural hazards in Bloom Township · FEMA

Storms, floods and disasters in Bloom Township

Bloom Township isn’t graded for hazard risk: Bloom Township has 920 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 14 declared for Morgan County
By hazard

What Bloom Township 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

94%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Hail Ice storms Strong wind Earthquakes Hurricanes Wildfire Winter storms Cold waves top 4% Lightning Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

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 Bloom Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Bloom Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Bloom Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Morgan County.
Disasters

The storms Bloom Township remembers

None of the 14 disasters declared for Morgan County shows FEMA aid or repair money reaching Bloom Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Bloom TownshipMorgan County only

Morgan County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Bloom Township and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Morgan Township: hazard risk C−Bristol Township: not gradedYork Township: not gradedDeerfield Township: not gradedMalta Township: hazard risk C−Blue Rock Township: not gradedHarrison Township: hazard risk C−Morgan TownshipBristol TownshipYork TownshipDeerfield TownshipMalta TownshipBlue Rock TownshipHarrison TownshipBloom Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Malta TownshipC−more damage than 79%river and rain flooding—
Harrison TownshipC−more damage than 83%river and rain flooding—
Morgan TownshipC−more damage than 83%river and rain flooding47
Bristol Township—281 residents; we grade 1,000+
York Township—565 residents; we grade 1,000+
Deerfield Township—567 residents; we grade 1,000+
Blue Rock Township—622 residents; we grade 1,000+

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.

Be ready

Get ready for what Bloom Township faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Bloom Township

Is Bloom Township 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 Morgan County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Bloom Township?

FEMA’s Community Rating System list shows no discount for Bloom Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Bloom Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bloom Township’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.