Property Atlas

County hazard profile

Putnam, NY

New York · pop. 97,640 · FIPS 36079

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$20M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Putnam $20M

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 indexVery Low 39.82/100
national median ~50 near the national middle (40th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 90.59/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Putnam

The National Flood Insurance Program has paid 370 flood-insurance claims totaling $5.4M in Putnam since 1978. The costliest year was 2012 ($2.1M paid).

Flood-insurance dollars paid by year of loss

1978: $71,658 paid 1979: $51,550 paid 1980: $104,055 paid 1981: $11,343 paid 1982: $34,818 paid 1983: $4,310 paid 1984: $18,290 paid 1985: $0 paid 1986: $2,025 paid 1987: $0 paid 1988: $0 paid 1989: $0 paid 1990: $19,573 paid 1991: $0 paid 1992: $65,142 paid 1993: $0 paid 1994: $0 paid 1995: $11,960 paid 1996: $24,475 paid 1999: $117,451 paid 2003: $0 paid 2005: $50,339 paid 2007: $203,552 paid 2008: $0 paid 2009: $11,892 paid 2010: $12,031 paid 2011: $1,077,372 paid 2012: $2,097,756 paid 2013: $6,685 paid 2014: $0 paid 2015: $0 paid 2017: $0 paid 2018: $14,232 paid 2021: $140,033 paid 2023: $1,126,949 paid 2024: $159,344 paid 2025: $0 paid 2012 · $2.1M 1978 2025
$5.4M
total paid
$14,694
average claim
$239K
largest single claim
34%
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, NY 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.