Rev. Dr. Elbert S. Porter House · Photo: Lvklock · CC BY-SA 4.0Storms, floods and disasters in Cameron
Cameron isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Cameron yet. Flood insurance has paid 1 claim here since 1996.
What Cameron 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
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.
Does Cameron flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Cameron, from FEMA’s records.
Cameron isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Steuben County.7 federal disasters brought FEMA money to Cameron
Disasters that paid out in Cameron itself (aid to households or repair grants to the Town of Cameron), newest first, with that year’s flood claims.
- 2024Remnants of Tropical Storm Debby$1.9M to the Town of Cameron for repairs
- 2021Remnants of Tropical Storm Fred$9.1M to the Town of Cameron for repairs
- 2014Severe Storms and Flooding$103K to the Town of Cameron for repairs
- 2004Severe Storms and Flooding4 households applied for aid$6K aid approved$68K to the Town of Cameron for repairs
- 2004Severe Storms and Flooding$21K to the Town of Cameron for repairs
- 2003Severe Storms, Flooding, and Tornadoes7 households applied for aid$5K aid approved$453K to the Town of Cameron for repairs
Show all 7
- 2000Severe Storms and Flooding$14K to the Town of Cameron for repairs
Steuben County has had 19 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; the 2001 World Trade Center declarations.
Old photos of Cameron after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cameron archive →Cameron and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bath | Bless damage than 60% | river and rain flooding | 24 |
| Thurston | C+more damage than 60% | river and rain flooding | — |
| Rathbone | C+more damage than 60% | river and rain flooding | — |
| Jasper | Cmore damage than 68% | river and rain flooding | 2 |
| Woodhull | C−more damage than 79% | river and rain flooding | 2 |
| Canisteo | C−more damage than 85% | river and rain flooding | 13 |
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 Cameron 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.
- 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 Cameron
Does Cameron flood?
Flood insurance has paid 1 claim in Cameron since 1996, $658 in all.
Is Cameron 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 Steuben County, 1.1% of all homes carry federal flood insurance.
How much is flood insurance in Cameron?
FEMA’s Community Rating System list shows no discount for Cameron’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 Cameron?
By FEMA money that reached Cameron, Remnants of Tropical Storm Fred (2021): $9.1M to the Town of Cameron for repairs.
Storm stories
Memories, warnings and help from neighbors in Cameron.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cameron’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.