Photo: Paul Sableman from St. Louis, MO · CC BY 2.0FEMA puts Camdenton’s expected hazard damage per building above that of 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Camdenton gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #159 of 247 in Missouri. Most of that expected damage is river and rain flooding (81%). Flood insurance has paid 2 claims here since 2019.
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 Camdenton 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 Camdenton’s grade
River and rain flooding is 81% of the building damage FEMA expects in Camdenton, and Camdenton’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Ice storms add 3%, at a rate in the top 4% of U.S. census tracts.
C #159 of 247 in Missouri; higher expected damage per building than 70% of U.S. towns (21,298).
Camdenton’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Camdenton has more expected damage per building than 64% of Missouri towns.
In dollars, FEMA expects about $2.7M a year in losses across Camdenton: $1.9M to buildings, the rest to people and crops.
Does Camdenton flood? Rarely: 2 flood claims since 2019
Every paid claim on a federal flood insurance policy in Camdenton, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
Camdenton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Camden County.6 federal disasters brought FEMA money to Camdenton
Disasters that paid out in Camdenton itself (aid to households or repair grants to the City of Camdenton), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires3 households applied for aid$60K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding44 households applied for aid$208K aid approved
- 2011Severe Winter Storm and Snowstorm$8K to the City of Camdenton for repairs
- 2007Severe Winter Storms and Flooding$20K to the City of Camdenton for repairs
- 2006Severe Winter Storms$2K to the City of Camdenton for repairs
- 2003Severe Storms, Tornadoes, and Flooding113 households applied for aid$184K aid approved
Camden County has had 21 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Camden County, 2000–2000.
Old photos of Camdenton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camdenton archive →Get ready for what Camdenton 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 Camdenton
Is Camdenton at risk for natural disasters?
On FEMA’s National Risk Index, Camdenton has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #159 of 247 in Missouri. Most of the expected damage is river and rain flooding (81%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Camdenton flood?
Flood insurance has paid 2 claims in Camdenton since 2019, $27K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record.
Is Camdenton 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 Camden County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Camdenton?
FEMA’s Community Rating System list shows no discount for Camdenton’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 Camdenton?
By FEMA money that reached Camdenton, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 44 households applied for aid, $208K approved.
Is Camdenton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Camdenton’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Camdenton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camdenton’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.