For tornadoes, Camden Township’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Camden Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then tornadoes (23%). 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
Hail
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 65% of the building damage FEMA expects in Camden Township, and Camden Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Tornadoes add 23%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
Camden Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Camden Township: $740K 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: DeKalb County.1 federal disaster brought FEMA money to Camden Township
Disasters that paid out in Camden Township itself (aid to households or repair grants to Camden Township), newest first, with that year’s flood claims.
- 2002Severe Storms, Tornadoes and Flooding$4K to Camden Township for repairs
DeKalb County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Camden Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camden Township archive →Camden Township and its neighbors
Camden Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Camden Township | C+more damage than 56% | river and rain flooding | 0 |
| Grant Township | — | 302 residents; we grade 1,000+ | |
| Adams Township | — | 451 residents; we grade 1,000+ | |
| Sherman Township | — | 444 residents; we grade 1,000+ | |
| Colfax Township | — | 735 residents; we grade 1,000+ | |
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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (65%) and tornadoes (23%). 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 DeKalb County, 1% of homes in mapped flood zones carry federal flood insurance, and 0.0% 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.
What was the biggest storm in Camden Township?
By FEMA money that reached Camden Township, Severe Storms, Tornadoes and Flooding (2002): $4K to Camden Township for repairs.
Is Camden Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Camden Township’s rate for it is higher than 56% 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.