Enter any address in Camden County, North Carolina to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Camden County, NC, with 13 occurrences in the last 30 years. Tropical storms and hurricanes have also impacted the area, contributing to 10 and 8 events respectively. For example, a stationary front caused widespread storms and flash flooding on June 15, 2025, and a warm, moist air mass led to flash flooding on July 10, 2025.
National Flood Insurance Program (NFIP) data shows a significant number of claims in Zone A, with an average payout of $12,151 and an average water depth of 1.9 feet. Claims in Zone X, though fewer, show higher average payouts ($14,500) and greater average water depths (11.3 feet). Properties in Zone A and Zone X, as well as those not built to Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Camden County, North Carolina has recorded 41 flood-related events since 1996 according to NOAA's Storm Events Database, including 13 flash floods and 8 river or area floods. The county has received 23 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1996–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 21, 2026 |
| Hurricane Helene | Tropical Storm | Sep 25, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 5, 2024 |
| Hurricane Ian | Hurricane | Sep 28, 2022 |
| Hurricane Isaias | Hurricane | Jul 31, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Dorian | Hurricane | Sep 1, 2019 |
| Hurricane Florence | Hurricane | Sep 7, 2018 |
| Hurricane Matthew | Hurricane | Oct 4, 2016 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Aug 21, 2025 | — |
| Flash Flood | Jun 15, 2025 | 0.00K |
| Flash Flood | Jul 10, 2025 | 0.00K |
| Flash Flood | Jul 18, 2024 | 0.00K |
| Flash Flood | Sep 17, 2024 | 0.00K |
| Tropical Storm | Sep 22, 2023 | 0.00K |
| Tropical Storm | Jul 8, 2021 | 20.00K |
| Flood | Nov 12, 2020 | 0.00K |
| Tropical Storm | Aug 4, 2020 | 500.00K |
| Coastal Flood | Aug 4, 2020 | 0.00K |
Tropical Storm — Aug 21, 2025
The center of Hurricane Erin stayed several hundred miles east of the Middle Atlantic coast on August 21, 2025. However, due the extremely large size of the cyclone with an expansive wind field, tropical storm force gusts occurred over the Atlantic, Currituck Sound, and northeast North Carolina.
Flash Flood — Jun 15, 2025
A stationary front was located across central Virginia to northeast North Carolina on June 15. This front slowly moved southwest through the afternoon. Widespread storms developed during the afternoon and continued into the evening on June 15. These storms produced locally heavy rain and flash flooding across portions of northeast North Carolina.
Flash Flood — Jul 10, 2025
A warm and very moist air mass was in place across the region on July 10. Thunderstorms with heavy rainfall formed in the afternoon across the area with flash flooding.
Flash Flood — Jul 18, 2024
Scattered thunderstorms along a frontal boundary produced heavy rain which caused flash flooding across portions of northeast North Carolina.
Flash Flood — Sep 17, 2024
An occluded front from the remnants of Potential Tropical Cyclone Eight slowly lifted north on September 17. Heavy, training showers developed ahead of and along this front and produced locally heavy rainfall and flash flooding across portions of northeast North Carolina into southeast Virginia.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Camden County, North Carolina:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Camden County, North Carolina that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.