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Camden County, MO flood insurance claims history

92 claims under the National Flood Insurance Program on file for flood losses in Camden County since 1983, with $1.7M paid. The worst year was 2015 with 52 claims. Camden County ranks #53 of 107 in Missouri by claim count.

What the Camden County record shows

49% of claims with a zone on file came from outside FEMA's high-risk zones, well above the 14% across Missouri.
46% of all claims trace to one event, Early winter storms (2015), which paid $1.2M here.
2015 alone produced 57% of the claims on file.
2016–2025 brought 12 claims, 82% fewer than 2006–2015 (67). Counts also move with how many buildings held a policy.
33% of claims closed without a payment, against 15% statewide.
ZIP codes 65020, 65065 and 65079 hold 70% of claims, out of 11 ZIP codes with any.
November through January accounts for 51% of losses.
Pulaski County has the most claims among its neighbors (267, against 92 here).

NFIP claims

1983–2026

Total paid

$1.7M

nominal dollars, not inflation-adjusted

Claims paid

67%

62 received a payment

Average payout

$28K

per paid claim

Last 10 years

claims 2017 – 2026

Most recent loss

2026-05-18

data as of 2026-09-08

Look up your ZIP code

Filter by ZIP, year or flood zone to see which floods the claims came from. For a street address, run the printable flood check.

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Flood claims by year

Peak: 52 claims in 2015

'85

'90

'95

'00

'05

'10

'15

'20

'25

Biggest flood events in Camden County

Flood event (FEMA name)	Claims	Paid	Avg / claim	Year
Early winter storms	42	$1.2M	$28K	2015
Late spring severe storms	3	$56K	$19K	2017
Early winter storms	2	$0	$0	2016
Flooding (FEMA general label)	2	$15K	$8K	1994
Midwest Flooding	1	$0	$0	1993
Mid-spring storms	1	$0	$0	2011

55% of claims here fall under these 6 entries.How to read these labels.

Federal disaster declarations for Camden County

Camden County has been a designated area in 28 declarations since 1973, 24 of them for flooding, storms or hurricanes. Since 2024 it has been included in 2: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, 2026), Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires (DR-4867-MO, 2025).

Declared	FEMA number	Incident	Declared for	Dates of the incident	Aid unlocked here
2026-08-03	DR-4929-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2026-06-04 → 2026-06-18	Public Assistance
2025-05-21	DR-4867-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Wildfires	2025-03-14 → 2025-03-15	Individual Assistance, Public Assistance
2023-09-21	DR-4741-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds, Tornadoes, and Flooding	2023-07-29 → 2023-08-14	Public Assistance, Hazard Mitigation
2020-03-26	DR-4490-MO major disaster	Biological	COVID-19 Pandemic	2020-01-20 → 2023-05-11	Individual Assistance, Public Assistance, Hazard Mitigation
2020-03-13	EM-3482-MO emergency	Biological	COVID-19	2020-01-20 → 2023-05-11	Public Assistance
2019-07-09	DR-4451-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2019-04-29 → 2019-07-05	Public Assistance, Hazard Mitigation
2017-06-02	DR-4317-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds and Flooding	2017-04-28 → 2017-05-11	Public Assistance, Hazard Mitigation
2016-01-21	DR-4250-MO major disaster	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-23 → 2016-01-09	Individual Assistance, Public Assistance, Hazard Mitigation
2016-01-02	EM-3374-MO emergency	Flood	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-12-22 → 2016-01-09	Public Assistance
2015-08-07	DR-4238-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Straight-Line Winds, and Flooding	2015-05-15 → 2015-07-27	Public Assistance, Hazard Mitigation
2013-09-06	DR-4144-MO major disaster	Severe Storm	Severe Storms, Straight-Line Winds and Flooding	2013-08-02 → 2013-08-14	Public Assistance, Hazard Mitigation
2011-03-23	DR-1961-MO major disaster	Severe Storm	Severe Winter Storm and Snowstorm	2011-01-31 → 2011-02-05	Public Assistance, Hazard Mitigation
2011-02-03	EM-3317-MO emergency	Severe Storm	Severe Winter Storm	2011-01-31 → 2011-02-05	Public Assistance
2009-06-19	DR-1847-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2009-05-08 → 2009-05-16	Public Assistance, Hazard Mitigation
2009-01-30	EM-3303-MO emergency	Severe Ice Storm	Severe Winter Storm	2009-01-26 → 2009-01-28	Public Assistance
2008-03-19	DR-1749-MO major disaster	Severe Storm	Severe Storms and Flooding	2008-03-17 → 2008-05-09	Public Assistance, Hazard Mitigation
2007-12-27	DR-1736-MO major disaster	Severe Ice Storm	Severe Winter Storms	2007-12-06 → 2007-12-15	Public Assistance, Hazard Mitigation
2007-12-12	EM-3281-MO emergency	Severe Ice Storm	Severe Winter Storms	2007-12-08 → 2007-12-15	Public Assistance
2007-01-15	DR-1676-MO major disaster	Severe Ice Storm	Severe Winter Storms and Flooding	2007-01-12 → 2007-01-22	Public Assistance, Hazard Mitigation
2006-12-29	DR-1673-MO major disaster	Severe Storm	Severe Winter Storms	2006-11-30 → 2006-12-02	Public Assistance, Hazard Mitigation
2005-09-10	EM-3232-MO emergency	Hurricane	Hurricane Katrina Evacuation	2005-08-29 → 2005-10-01	Public Assistance
2003-05-06	DR-1463-MO major disaster	Severe Storm	Severe Storms, Tornadoes, and Flooding	2003-05-04 → 2003-05-30	Individual Assistance, Public Assistance, Hazard Mitigation
2002-05-06	DR-1412-MO major disaster	Severe Storm	Severe Storms, Tornadoes and Flooding	2002-04-24 → 2002-06-10	Individual Assistance, Public Assistance, Hazard Mitigation
2000-03-09	FM-2292-MO fire management	Fire	Camden Fire Complex	2000-03-07 → 2000-03-11	Public Assistance
1995-06-02	DR-1054-MO major disaster	Severe Storm	Severe Storms, Tornadoes, Hail, Flooding	1995-05-13 → 1995-06-23	Individual Assistance
1993-07-09	DR-995-MO major disaster	Flood	Severe Storms & Flooding	1993-06-10 → 1993-10-25	Individual Assistance, Public Assistance
1976-09-24	EM-3017-MO emergency	Drought	Drought	1976-09-24	Public Assistance
1973-04-19	DR-372-MO major disaster	Severe Storm	Heavy Rains, Tornadoes & Flooding	1973-04-19	Individual Assistance, Public Assistance

OpenFEMA data through 2026-11-02; only declarations naming Camden County itself are listed. 8 of these 28 opened Individual Assistance here. What a declaration does and does not pay for.

Flood zones in Camden County: which ones the claims came from

High-risk A zones: 46 (50%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 44 (48%)Zone not recorded: 2 (2%)

Most Camden County claims with a zone on file — 34 of 90 (38%) — were rated Zone X, a moderate- or low-risk zone where no lender has to require flood insurance. 51% were in a high-risk Special Flood Hazard Area.

Flood zone at rating	Claims	Share	Paid	Avg / claim
Zone X · moderate / low risk	34	38%	$415K	$12K
Zone AE · high risk, insurance required	32	36%	$748K	$23K
Zone A · high risk, insurance required	14	16%	$415K	$30K
Zone C · moderate / low risk	10	11%	$106K	$11K

2 Camden County claims have no zone recorded and are left out of the shares above. Which zones require flood insurance →

What caused the flooding

Cause of damage (as coded by FEMA)	Claims	Share
Stream, river or lake overflow	55	60%
Accumulation of rainfall or snowmelt	25	27%
Other causes	9	10%
Tidal water overflow (storm surge)	2	2%
Not recorded	1	1%

Flood claims by ZIP code in Camden County

11 ZIP codes with at least one claim FEMA assigned to Camden County.


65020	38	$955K	41%	11	2023
65065	14	$89K	15%	6	2026
65079	12	$266K	13%	3	2015
65052	7	$198K	8%	5	2016
65787	6	$88K	7%	3	2025
65324	5	$56K	5%	3	2015
65049	3	$5K	3%	2	2016
65786	2	$9K	2%	2	2009
65326	2	$31K	2%	2	2016
65037	2	$0	2%	2	2016
65591	1	$12K	1%	1	2013

When does Camden County flood?

December accounts for the most flood losses (44 claims, 48%). Claims by month of loss:

Month	Claims	Share
January	3	3%
February	0	0%
March	3	3%
April	7	8%
May	6	7%
June	3	3%
July	9	10%
August	8	9%
September	7	8%
October	2	2%
November	0	0%
December	44	48%

Year-by-year detail

Year of loss	Claims	Paid
2026	1	$2K
2025	1	$12K
2023	1	$20K
2022	1	$0
2019	1	$7K
2018	1	$0
2017	3	$56K
2016	4	$0
2015	52	$1.3M
2014	1	$0
2013	6	$171K
2011	1	$0
2010	1	$2K
2009	3	$7K
2008	2	$33K
2007	1	$0
1995	1	$6K
1994	3	$24K
1993	6	$93K
1986	1	$0
1983	1	$4K

Neighboring counties

Neighbor	Claims	Paid	Outside high-risk
Camden County (this page)	92	$1.7M	49%
Pulaski County	267	$7.0M	23%
Benton County	38	$318K	3%
Miller County	28	$553K	76%
Laclede County	26	$654K	48%
Morgan County	15	$162K	33%
Hickory County	5	$341K	0%
Dallas County	3	$28K	67%

All 107 Missouri counties → · County and ZIP rankings →

Common questions about flooding in Camden County

Has Camden County flooded recently?: The most recent flood loss with an insurance claim on file was on 2026-05-18, in FEMA data through 2026-09-08. Claims were filed in 7 of the 10 years to 2026 (9 claims).
Has Camden County had a FEMA disaster declaration?: Yes — Camden County has been named a designated area in 28 federal disaster declarations since 1973. The most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4929-MO, declared 2026-08-03). Since 2024 there have been 2. See the full list with dates and aid programs →
What flood zone is Camden County in?: No single zone covers a whole county. Across 90 Camden County claims with a zone on file, the most common was Zone X (38%), and 51% were in a high-risk Special Flood Hazard Area. For one address, use the flood check.

Look up another place

Source: FEMA NFIP Redacted Claims, FIPS 29029, data as of 2026-09-08. Insured buildings only, never a specific property: see how to check a house and the limits of this data.