Photo: Billy Hathorn · CC BY-SA 3.0Storms, floods and disasters in Camp Wood
Camp Wood isn’t graded for hazard risk: Camp Wood has 939 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2022.
What Camp Wood 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 Camp Wood flood? Rarely: 1 flood claim since 2022
Every paid claim on a federal flood insurance policy in Camp Wood, from FEMA’s records.
Camp Wood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Real County.3 federal disasters brought FEMA money to Camp Wood
Disasters that paid out in Camp Wood itself (aid to households or repair grants to the City of Camp Wood), newest first, with that year’s flood claims.
- 2018Severe Storms and Flooding$150K to the City of Camp Wood for repairs
- 2007Severe Storms, Tornadoes, and Flooding$136K to the City of Camp Wood for repairs
- 1998Tropical Storm Charley$12K to the City of Camp Wood for repairs
Real County has had 15 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 Camp Wood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camp Wood archive →Get ready for what Camp Wood 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 Camp Wood
Does Camp Wood flood?
Flood insurance has paid 1 claim in Camp Wood since 2022, $26K in all.
Is Camp Wood 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 Real County, 6.3% of all homes carry federal flood insurance.
How much is flood insurance in Camp Wood?
FEMA’s Community Rating System list shows no discount for Camp Wood’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 Camp Wood?
By FEMA money that reached Camp Wood, Severe Storms and Flooding (2018): $150K to the City of Camp Wood for repairs.
Storm stories
Memories, warnings and help from neighbors in Camp Wood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camp Wood’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.