1,329 flood insurance claims·$8.5M 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, New Jersey. 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 summer thunderstorms dominates the flood profile of Camden County, New Jersey, supported by 92 flash flood events recorded over the last 30 years compared to 54 general flood and 41 coastal flood events.
Recent impacts are illustrated by events such as January 2024, when strong south-to-southeast winds pushed water up the Delaware Bay and River, causing tidal inundation of roads and structures. Additionally, on August 6, 2024, predecessor rainfall driven by a moist, unstable airmass ahead of the remnants of Tropical Storm Debby produced heavy downpours and flash flooding.
Homeowners and real estate professionals should pay the most attention to properties in high-risk Special Flood Hazard Areas (Zone A), which account for the majority of the county's National Flood Insurance Program claims at 827 filed, with an average payout of $8,759 and an average recorded water depth of 5 inches. However, properties in Zone X also warrant careful attention, having logged 280 claims with a higher average payout of $14,642 and a greater average recorded water depth of 13 inches.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
15% of Camden County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
981 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 6 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 2011, with 144 claims and $758,150 paid, the year of Hurricane Irene.
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.
39 NOAA storm reports from Camden County describe what happened, in the words of the forecasters who covered it. Read the New Jersey flood stories →
25 federal disaster declarations since 1965, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Remnants Of Hurricane Ida | Sep 1, 2021 |
| Severe Winter Storm And Snowstorm | Jan 22, 2016 |
| Severe Storm | Jun 23, 2015 |
| Hurricane Sandy | Oct 26, 2012 |
| Hurricane Irene | Aug 27, 2011 |
| Severe Winter Storm And Snowstorm | Feb 5, 2010 |
| Snowstorm | Dec 19, 2009 |
| Severe Storms And Inland And Coastal Flooding | Apr 14, 2007 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
213 since 1996: 92 flash floods, 54 river or area floods and 64 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 31, 2025 | $15,000 |
| Flash Flood | May 16, 2025 | — |
| Coastal Flood | Jan 13, 2024 | — |
| Coastal Flood | Apr 12, 2024 | — |
| Coastal Flood | Jan 10, 2024 | — |
| Coastal Flood | Mar 9, 2024 | — |
| Flash Flood | Aug 6, 2024 | $20,000 |
| Flash Flood | Aug 6, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 31, 2025. A stationary front sparked off showers and thunderstorms across the forecast area. Flash flooding resulted.
Flash Flood · May 16, 2025. Scattered thunderstorms developed along a slow moving warm front.
Coastal Flood · Jan 13, 2024. Strong south to southeast winds resulted in widespread tidal flooding for much of the coast line and tidal waterways. The strong southeast to south winds resulted in a push of water up the Delaware Bay/River and through the back bays of the Atlantic coast. The outcome was the tidal inundation of roads and structures.
Coastal Flood · Apr 12, 2024. High astronomical tides in addition to strong southerly flow resulted in higher water levels, mainly along the Delaware Bay and tidal Delaware River. However, some flooding was observed in the back bays as southerly flow prevented water from draining.
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.