Hi there ChrisMacbookAir,
If you don't see any apps in that list, then they haven't asked permission to use your camera. Have a look at this information:
The list shows apps you’ve installed that have asked to use the camera. If you turn off access for an app, you’re asked to turn it on again the next time that app tries to use the camera.
If there are no apps in the list, you haven’t installed an app that uses the camera. FaceTime, Photo Booth, and other apps that come with your Mac automatically have access—you don’t need to give them permission.
You'll find more details here: Control access to the camera on Mac - Apple Support
If you open Zoom, does it ask for permission to use your Mac camera? If you don't see a prompt for that, you may want to reach out to Zoom's support team for more guidance. This link will help you get started: How to contact an app developer - Apple Support
Take care.