Property Atlas

County hazard profile

Putnam, TN

Tennessee · pop. 79,809 · FIPS 47141

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$24M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Putnam $24M

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 65.84/100
national median ~50 near the national middle (66th percentile)
Social vulnerabilityRelatively Moderate 43/100
national median ~50 near the national middle (43rd percentile)
Community resilienceRelatively Moderate 47.81/100
national median ~50 near the national middle (48th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Putnam

The National Flood Insurance Program has paid 34 flood-insurance claims totaling $1.1M in Putnam since 1989. The costliest year was 2010 ($496K paid).

Flood-insurance dollars paid by year of loss

1989: $0 paid 1998: $4,475 paid 2002: $2,015 paid 2009: $14,981 paid 2010: $496,000 paid 2011: $3,012 paid 2012: $2,863 paid 2013: $0 paid 2015: $99,845 paid 2016: $18,357 paid 2018: $381 paid 2019: $26,305 paid 2020: $41,156 paid 2021: $323,137 paid 2023: $81,347 paid 2025: $0 paid 2010 · $496K 1989 2025
$1.1M
total paid
$32,761
average claim
$250K
largest single claim
18%
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, TN 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.