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B+Hazard risk
Natural hazards in Bloom Township · FEMA

On FEMA’s figures, Bloom Township faces less hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Bloom Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #644 of 993 in Ohio. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 28 claims here since 1997.

River and rain flooding 89%Tornadoes 4%Strong wind 2%

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

less than 68%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#644 of 993 in Ohio
Hazard risk
B+#644 of 993
in Ohio · lower than 68% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
28
paid since 1997 · $408K
Flood claims per home
20 per 1,000
more than 84% of U.S. towns

What stands out about Bloom Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 68% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 20008 flood claims were paid for 2000 alone, the most of any year.
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

89%of expected building damage
About average · higher than 59% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Tornadoes Strong wind Earthquakes Hail Ice storms Hurricanes Winter storms Wildfire Landslides Lightning Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 16% of Bloom Township’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Hazard risk grade

What’s behind Bloom Township’s grade

River and rain flooding is 89% of the building damage FEMA expects in Bloom Township, and Bloom Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts.

Where Bloom Township sits
Bloom Township
Least damageMiddleMost damage

B+ #644 of 993 in Ohio; lower expected damage per building than 68% of U.S. towns (21,298).

Bloom Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding89%Tornadoes4%Everything else7%

The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Bloom Township has more expected damage per building than 65% of Ohio towns.

In dollars, FEMA expects about $692K a year in losses across Bloom Township: $471K to buildings, the rest to people and crops.

A small-area figure. Bloom Township covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Bloom Township flood? Sometimes: 28 flood claims since 1997

Every paid claim on a federal flood insurance policy in Bloom Township, from FEMA’s records: 20.3 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1997: 4 claims1998: 0 claims1999: 0 claims2000: 8 claims2001: 5 claims2002: 2 claims2003: 3 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 1 claim2011: 3 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199720002001
19972026
Biggest named events
  • Tropical Storm Ivan1 claim · $303
28
paid claims since 1997
$408K
paid to owners
0
homes flooded more than once
$15K
average claim
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: Scioto County.
Disasters

The storms Bloom Township remembers

None of the 15 disasters declared for Scioto County shows FEMA aid or repair money reaching Bloom Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20008 flood claims paidThe year of Severe Storms and Flooding, declared for Scioto County
  2. 20015 flood claims paidNo declaration for the county that year
  3. 19974 flood claims paidThe year of Severe Storms and Flooding, declared for Scioto County
Disasters declared, by decade
Paid out in Bloom TownshipScioto County only

Scioto County has had 15 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.

Were you here?

Old photos of Bloom Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Bloom Township archive →
Next door

Bloom Township and its neighbors

Bloom Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Vernon Township: hazard risk C+Harrison Township: hazard risk C+Washington Township: not gradedDecatur Township: not gradedHamilton Township: not gradedMadison Township: hazard risk B−Vernon TownshipHarrison TownshipWashington TownshipDecatur TownshipHamilton TownshipMadison TownshipBloom Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Bloom TownshipB+less damage than 68%river and rain flooding28
Madison TownshipB−more damage than 51%river and rain flooding21
Vernon TownshipC+more damage than 57%river and rain flooding13
Harrison TownshipC+more damage than 62%river and rain flooding—
Washington Township—237 residents; we grade 1,000+
Decatur Township—632 residents; we grade 1,000+
Hamilton Township—409 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 at risk for natural disasters?

On FEMA’s National Risk Index, Bloom Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #644 of 993 in Ohio. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Bloom Township flood?

Flood insurance has paid 28 claims in Bloom Township since 1997, $408K in all, or 20.3 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).

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 Scioto County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% 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.

What was the biggest storm in Bloom Township?

By flood claims, Tropical Storm Ivan: 1 paid, $303.

Is Bloom Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Bloom Township’s rate for it is higher than 59% of U.S. census tracts.

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.