92 flood insurance claims·$1.7M paid·4 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, Missouri. 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.
Flash flooding from severe weather and heavy rainfall dominates the flood risk profile in Camden County, Missouri, accounting for 77 recorded events and 1 death over the last 30 years alongside 32 general flood events.
Recent regional events illustrate this threat. Heavy rainfall from multiple rounds of showers and thunderstorms caused significant flash flooding and river flooding during an April 2025 event. Similarly, a moist airmass produced heavy rainfall rates and significant flash flooding during a June 2025 event, while saturated ground and heavy rain led to small creek and stream flooding in April 2024.
Property owners in mapped high-risk areas should pay the closest attention, particularly those in Zone A, which accumulated 46 NFIP claims with an average payout of $33,223 and an average recorded water depth of 11 inches. However, properties in lower-risk areas also face vulnerability, as demonstrated by 34 claims in Zone X averaging $23,059 with an average 9 inches of water, and 10 claims in Zone X_UNSHADED averaging $15,109 with an average 8 inches of recorded water depth.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
18% of Camden County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
56 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 10 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 2015, with 52 claims and $1.3M paid, the year of Severe Storms, Tornadoes, Straight-line Winds, and Flooding.
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 Missouri flood stories →
27 federal disaster declarations since 1973, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Wildfires | Mar 14, 2025 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Jul 29, 2023 |
| Severe Storms, Tornadoes, And Flooding | Apr 29, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds And Flooding | Apr 28, 2017 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Dec 23, 2015 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | May 15, 2015 |
| Severe Storms, Straight-line Winds And Flooding | Aug 2, 2013 |
| Severe Winter Storm | Jan 31, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
109 since 1996: 77 flash floods and 32 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 4, 2025 | — |
| Flash Flood | Apr 4, 2025 | — |
| Flood | Apr 26, 2024 | — |
| Flood | Mar 24, 2023 | — |
| Flash Flood | Jul 20, 2023 | — |
| Flash Flood | Aug 1, 2023 | — |
| Flash Flood | Aug 16, 2022 | $5,000 |
| Flash Flood | Jan 25, 2021 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 4, 2025. A very moist airmass led to the development of thunderstorms with heavy rainfall rates during the morning and afternoon of June 4th. Significant flash flooding occurred in and around the city of Marshfield. Additional heavy rainfall caused flooding into the evening and overnight hours with some areas picking up two day totals of 3-5 inches.
Flash Flood · Apr 4, 2025. Multiple rounds of showers and thunderstorms occurred across southern Missouri between April 4th and April 6th. The highest rainfall amounts occurred southeast of Springfield where pockets of 8-10 inches with localized amounts to 12 inches occurred. Significant flash flooding and minor to moderate river flooding occurred, especially across south central Missouri. Two flood fatalities occurred with this system in W…
Flood · Apr 26, 2024. Flooding of small creeks and streams and major flooding along the Marmaton and Little Osage River basins occurred thanks to heavy rainfall. From 2 to 4 inches of rainfall on already saturated ground from previous rainfall in the 25th. Isolated severe storms produced brief tornadoes in Vernon and St. Clair Counties.
Flood · Mar 24, 2023. The most impactful storm system to affect the region during the month of March began during the late afternoon and early evening of the 23rd as strong to severe thunderstorms trained along and north of a front that had stalled over northwest Arkansas and south central Missouri. While the storms produced sporadic wind damage and hail, rainfall accumulations exceeded three inches within a 6-hour period during the ev…
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.