Property Atlas

County hazard profile

Putnam, OH

Ohio · pop. 34,443 · FIPS 39137

Very Low
FEMA risk rating · RATING
Hail
dominant hazard
$14M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Putnam $14M

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 32.86/100
national median ~50 lower than most counties (33rd percentile)
Social vulnerabilityVery Low 12.75/100
national median ~50 among the lowest nationally
Community resilienceVery High 98.31/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Putnam

The National Flood Insurance Program has paid 460 flood-insurance claims totaling $10.1M in Putnam since 1978. The costliest year was 2007 ($8.2M paid).

Flood-insurance dollars paid by year of loss

1978: $1,695 paid 1980: $1,921 paid 1981: $240,282 paid 1982: $9,554 paid 1985: $2,291 paid 1987: $46,357 paid 1990: $12,140 paid 1992: $13,397 paid 1997: $242,194 paid 1998: $17,692 paid 2003: $936 paid 2005: $17,928 paid 2007: $8,198,555 paid 2008: $414,159 paid 2009: $259,024 paid 2011: $285,246 paid 2013: $224,556 paid 2015: $98,308 paid 2016: $0 paid 2017: $37,709 paid 2019: $0 paid 2023: $1,739 paid 2007 · $8.2M 1978 2023
$10.1M
total paid
$22,012
average claim
$164K
largest single claim
71%
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, OH 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.