Less hazard damage per building is expected in Bloomfield than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bloomfield gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #183 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (72%), then tornadoes (13%). Flood insurance has paid 2 claims here since 2013.
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 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
Tornadoes
Hail
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 Bloomfield’s grade
River and rain flooding is 72% of the building damage FEMA expects in Bloomfield, and Bloomfield’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Next is tornadoes at 13% (higher than 74% of U.S. census tracts).
A− #183 of 362 in Wisconsin; lower expected damage per building than 78% of U.S. towns (21,298).
Bloomfield’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Bloomfield has more expected damage per building than 50% of Wisconsin towns.
In dollars, FEMA expects about $1.5M a year in losses across Bloomfield: $830K to buildings, the rest to people and crops.
Does Bloomfield flood? Rarely: 2 flood claims since 2013
Every paid claim on a federal flood insurance policy in Bloomfield, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
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: Walworth County.The storms Bloomfield remembers
None of the 10 disasters declared for Walworth County shows FEMA aid or repair money reaching Bloomfield itself in FEMA’s records, so these are its biggest flood-claim years.
- 20131 flood claims paidNo declaration for the county that year
- 20201 flood claims paidNo declaration for the county that year
Walworth County has had 10 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.
Old photos of Bloomfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bloomfield archive →Bloomfield and its neighbors
Bloomfield is 5th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lake Geneva | A+less damage than 95% | river and rain flooding | 2 |
| Linn | Aless damage than 88% | river and rain flooding | 2 |
| Hebron Township | Aless damage than 86% | river and rain flooding | — |
| Lyons | A−less damage than 80% | river and rain flooding | 4 |
| Bloomfield | A−less damage than 78% | river and rain flooding | 2 |
| Genoa City | A−less damage than 78% | river and rain flooding | 2 |
| Randall | A−less damage than 76% | river and rain flooding | 4 |
| Bloomfield | — | not graded yet | |
| Powers Lake | — | a Census area inside a town; graded with the town | |
| Lake Ivanhoe | — | 558 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.
Get ready for what 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Bloomfield
Is Bloomfield at risk for natural disasters?
On FEMA’s National Risk Index, Bloomfield has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #183 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (72%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bloomfield flood?
Flood insurance has paid 2 claims in Bloomfield since 2013, $22K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record.
Is 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 Walworth County, 38% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Bloomfield?
FEMA’s Community Rating System list shows no discount for Bloomfield’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bloomfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Bloomfield’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bloomfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where 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.