Photo: Public domain · Public domainFEMA puts Campbell’s expected hazard damage per building above that of 87% of U.S. towns, led by earthquakes
On FEMA’s National Risk Index, Campbell gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns. Most of that expected damage is earthquakes (49%), then river and rain flooding (32%). 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 Campbell faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
River and rain flooding
Tornadoes
Ice storms
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 Campbell’s grade
Earthquakes are 49% of the building damage FEMA expects in Campbell, and Campbell’s rate of earthquakes damage is in the top 8% of U.S. census tracts. Tornadoes add 10%, at a rate in the top 4% of U.S. census tracts.
D higher expected damage per building than 87% of U.S. towns (21,298).
All of Campbell’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Campbell: $670K to buildings, the rest to people and crops.
Does Campbell flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Campbell. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Campbell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dunklin County.5 federal disasters brought FEMA money to Campbell
Disasters that paid out in Campbell itself (aid to households or repair grants to the City of Campbell), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$4K aid approved
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding3 households applied for aid$41K aid approved
- 2011Severe Storms, Tornadoes, and Flooding22 households applied for aid$122K aid approved
- 2009Severe Winter Storm$628K to the City of Campbell for repairs
- 2008Severe Storms, Flooding, and a Tornado$33K to the City of Campbell for repairs
Dunklin County has had 16 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 Campbell after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Campbell archive →Get ready for what Campbell faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Campbell
Is Campbell at risk for natural disasters?
On FEMA’s National Risk Index, Campbell has higher expected damage per building than 87% of U.S. towns: D for hazard risk. Most of the expected damage is earthquakes (49%) and river and rain flooding (32%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Campbell 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 Dunklin County, 1.9% of all homes carry federal flood insurance.
How much is flood insurance in Campbell?
FEMA’s Community Rating System list shows no discount for Campbell’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 Campbell?
By FEMA money that reached Campbell, Severe Winter Storm (2009): $628K to the City of Campbell for repairs.
Is Campbell at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (49%), and Campbell’s rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Campbell.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Campbell’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.