Less hazard damage per building is expected in Camden Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Camden Township gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.
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 Camden Township 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
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 Camden Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Camden Township, and Camden Township’s rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Next is tornadoes at 17% (higher than 88% of U.S. census tracts).
A− lower expected damage per building than 75% of U.S. towns (21,298).
Camden Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $657K a year in losses across Camden Township: $483K to buildings, the rest to people and crops.
Does Camden Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Camden Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Camden Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsdale County.The storms Camden Township remembers
None of the 5 disasters declared for Hillsdale County shows FEMA aid or repair money reaching Camden Township itself in FEMA’s records, so these are its biggest flood-claim years.
Hillsdale County has had 5 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Camden Township and its neighbors
Camden Township is 2nd of the 5 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 |
|---|---|---|---|
| California Township | A−less damage than 76% | river and rain flooding | — |
| Camden Township | A−less damage than 75% | river and rain flooding | 0 |
| Reading Township | B+less damage than 73% | river and rain flooding | 7 |
| Amboy Township | B+less damage than 70% | river and rain flooding | — |
| Northwest Township | C+more damage than 58% | river and rain flooding | — |
| Clear Lake Township | — | not graded yet | |
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 Camden Township 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.
- 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 Camden Township
Is Camden Township at risk for natural disasters?
On FEMA’s National Risk Index, Camden Township has lower expected damage per building than 75% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Camden Township 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 Hillsdale County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Camden Township?
FEMA’s Community Rating System list shows no discount for Camden Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Camden Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Camden Township’s rate for it is lower than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Camden Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camden Township’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.