Property Atlas

County hazard profile

Putnam, WV

West Virginia · pop. 57,374 · FIPS 54079

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$34M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Putnam $34M

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 74.01/100
national median ~50 near the national middle (74th percentile)
Social vulnerabilityRelatively Low 34.45/100
national median ~50 lower than most counties (34th percentile)
Community resilienceRelatively Moderate 58.94/100
national median ~50 near the national middle (59th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Putnam

The National Flood Insurance Program has paid 289 flood-insurance claims totaling $3.3M in Putnam since 1978. The costliest year was 2018 ($1.2M paid).

Flood-insurance dollars paid by year of loss

1978: $2,062 paid 1979: $272 paid 1980: $4,517 paid 1982: $1,844 paid 1983: $4,351 paid 1984: $1,201 paid 1985: $8,062 paid 1986: $802 paid 1987: $0 paid 1989: $33,052 paid 1990: $948 paid 1991: $6,731 paid 1992: $14,304 paid 1995: $29,738 paid 1996: $151,282 paid 1997: $140,792 paid 1998: $32,375 paid 2000: $87,875 paid 2001: $101,654 paid 2002: $11,787 paid 2003: $451,998 paid 2004: $169,672 paid 2005: $11,200 paid 2006: $14,905 paid 2007: $0 paid 2009: $74,500 paid 2010: $14,229 paid 2011: $13,662 paid 2012: $11,202 paid 2013: $54,236 paid 2014: $76,607 paid 2015: $205,663 paid 2016: $40,148 paid 2018: $1,192,770 paid 2020: $0 paid 2021: $109,854 paid 2022: $100,948 paid 2023: $59,043 paid 2025: $61,262 paid 2018 · $1.2M 1978 2025
$3.3M
total paid
$11,403
average claim
$197K
largest single claim
54%
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, WV 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.