Is Camden County, MO in a flood zone?
FEMA's National Risk Index puts Camden County's flood hazard at the 93.3th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
13.6% of the homes FEMA requires to carry flood insurance in Camden County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 169 policies against 1,244 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Camden County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Camden County compares nationally
Camden County sits at rank 228 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1114 of 3144 by population (1 is biggest). Camden County, Missouri is home to about 44,135 people across 655.937 square miles of land.
Checking a specific address in Camden County
FEMA counts 36,952 residential structures in Camden County overall, 224 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Camden County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.