Natural hazards · Camden

Camden, TN natural hazards

Most of the natural-hazard damage FEMA expects in Camden comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 11 claims here since 1984. 7 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 70% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes53%Cold waves15%Inland flooding13%Tornadoes10%Everything else10%

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.

Earthquakes

53% of expected damage

Well above average · higher than 90% of U.S. places

Cold waves

15% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

13% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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.

11paid claims since 1984

$456Kpaid to owners

2homes flooded more than once

19842026

Biggest named events

Late spring storms: 4 claims, $236K
Mid-spring storms: 1 claim, $8K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Benton County.

Disasters that hit Camden

7 federal disasters brought FEMA money here

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

Brought FEMA money into CamdenDeclared for Benton County only

2026

Severe Winter Storm

34 households applied for aid $120K aid approved $52K to the City of Camden for repairs

2023

Severe Storms, Straight-Line Winds, and Tornado

$29K to the City of Camden for repairs

2011

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$25K to the City of Camden for repairs

2010

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

131 households applied for aid $239K aid approved $21K to the City of Camden for repairs

2008

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

4 households applied for aid $4K aid approved

2006

Severe Storms and Tornadoes

10 households applied for aid $11K aid approved

2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $814 aid approved

Benton County has had 19 natural disasters declared since 1953, most often severe storms and tornadoes.

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 covers 1 census tract, combined by population.

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 City of Camden. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Camden total about $3.2M a year, counting buildings, people and crops.

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.