Property Atlas

County hazard profile

Putnam, FL

Florida · pop. 73,208 · FIPS 12107

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$29M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Putnam $29M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 79.74/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively High 79.68/100
national median ~50 higher than 80% of counties
Community resilienceVery Low 13.2/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Putnam

The National Flood Insurance Program has paid 621 flood-insurance claims totaling $10.8M in Putnam since 1979. The costliest year was 2017 ($4.3M paid).

Flood-insurance dollars paid by year of loss

1979: $3,998 paid 1980: $0 paid 1982: $0 paid 1991: $1,586 paid 1992: $5,513 paid 1994: $20,296 paid 1995: $48,449 paid 1997: $281 paid 1998: $1,338 paid 1999: $38,810 paid 2000: $5,086 paid 2001: $677,258 paid 2003: $0 paid 2004: $775,065 paid 2005: $133,306 paid 2007: $0 paid 2008: $84,606 paid 2009: $31,002 paid 2010: $0 paid 2011: $0 paid 2012: $1,316 paid 2015: $0 paid 2016: $2,487,492 paid 2017: $4,264,322 paid 2018: $5,019 paid 2019: $0 paid 2020: $0 paid 2022: $1,481,244 paid 2024: $709,467 paid 2025: $19,082 paid 2017 · $4.3M 1979 2025
$10.8M
total paid
$17,382
average claim
$287K
largest single claim
84%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Putnam, FL and where it ranks among U.S. counties. It is not a verdict on whether Putnam is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.