Natural hazards · Camden

Camden, OH natural hazards

Most of the natural-hazard damage FEMA expects in Camden comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1989. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Camden?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Camden to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes19%Strong wind7%Cold waves5%Everything else7%

By hazard

What Camden faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

62% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 28 years in the area

Strong wind

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Camden flood?

Every paid claim on a federal flood insurance policy in Camden, from FEMA’s records.

3paid claims since 1989

$14Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Camden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Preble County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Camden

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Camden itself: aid to households, or repair grants to the Village of Camden.

Brought FEMA money into CamdenDeclared for Preble County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$10K to the Village of Camden for repairs

2004

Snow

$7K to the Village of Camden for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$2K to the Village of Camden for repairs

Preble County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Camden

Camden and the towns around it

Very lowLowModerateHighVery high

Camdenmostly inland floodingHigh

Somersmostly inland floodingHigh

Gaspermostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Camden is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Camden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Camden. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.