346 flood insurance claims·$6.3M paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Camden County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Tropical storms and coastal flooding dominate the flood risk profile of Camden County, supported by 20 tropical storm events and 15 coastal flood events recorded in the NOAA Storm Events Database over the last 30 years, alongside 11 general flood events and 5 flash flood events.
Recent history illustrates these hazards. An extended duration local nor'easter wind event brought moderate tidal flooding to the coast and inland areas in October 2025. Additionally, Hurricane Helene produced wind damage and impacts as it tracked north-northeast after making landfall in September 2024, while a stationary surface front combined with high moisture to cause localized heavy rainfall in August 2025.
National Flood Insurance Program claims data indicates that property owners in both high-risk and moderate-to-low-risk areas face financial loss. Zone A accounts for 190 claims with an average payout of $18,355 and an average recorded water depth of 3 inches. Zone X accounts for 147 claims with a higher average payout of $34,988 and an average recorded water depth of 8 inches, indicating that property owners outside designated high-risk flood zones should also pay close attention to flood preparedness.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
4% of Camden County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
198 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 5 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2017, with 153 claims and $4.2M paid, the year of Hurricane Irma.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
26 NOAA storm reports from Camden County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →
21 federal disaster declarations since 1977, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Hurricane Helene | Sep 24, 2024 |
| Hurricane Debby | Aug 4, 2024 |
| Tropical Storm Debby | Aug 4, 2024 |
| Hurricane Idalia | Aug 30, 2023 |
| Hurricane Dorian | Aug 29, 2019 |
| Hurricane Michael | Oct 9, 2018 |
| Hurricane Irma | Sep 7, 2017 |
| Hurricane Matthew | Oct 4, 2016 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
51 since 1996: 5 flash floods, 11 river or area floods and 15 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flood | Aug 18, 2025 | — |
| Coastal Flood | Oct 10, 2025 | — |
| Coastal Flood | Oct 9, 2025 | — |
| Tropical Storm | Sep 27, 2024 | — |
| Flood | Aug 23, 2024 | — |
| Flood | Jul 20, 2024 | — |
| Flood | Aug 11, 2024 | — |
| Tropical Storm | Aug 4, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Aug 18, 2025. A surface front was nudged southward across the local area through the day as high pressure strengthened north of the region. The front combined with high moisture, weak storm motion and diurnal instability with additional sea breeze forcing produced localized heavy rainfall across the area.
Coastal Flood · Oct 10, 2025. An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal flooding reached mod…
Coastal Flood · Oct 9, 2025. An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal flooding reached mod…
Tropical Storm · Sep 27, 2024. Hurricane Helene made landfall as a category 4 with peak winds of near 140 mph in the Florida Big |Bend just east of the Aucilla River Entrance in Taylor County, late Thursday evening September 26, |2024. Helene's main impact to southeast Georgia and northeast Florida was wind damage as it |tracked quickly north-northeast. The very powerful hurricane and the forward motion produced a |wide swath of wind damage ac…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Camden County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.