Putnam County, Florida: hazard risk
FEMA rates Putnam County's overall risk Relatively Low (score 79.7 of 100, higher than 79% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning. Its storm record holds 730 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively High | 93.5 | $11M |
| Lightning | Relatively High | 83.1 | $599K |
| Wildfire | Relatively Moderate | 90.5 | $1.1M |
| Tornado | Relatively Moderate | 78.5 | $2.6M |
| Riverine Flooding | Relatively Moderate | 77.3 | $12M |
| Strong Wind | Relatively Moderate | 66.3 | $616K |
| Heat Wave | Relatively Low | 66.3 | $549K |
| Coastal Flooding | Relatively Low | 60.4 | $365K |
| Drought | Relatively Low | 36.5 | $34K |
| Cold Wave | Relatively Low | 28.4 | $270K |
| Earthquake | Very Low | 49.1 | $185K |
| Landslide | Very Low | 28.2 | $188 |
| Hail | Very Low | 14.2 | $33K |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 383 | 1 | $829K | 9th of 67 | 548th of 3,080 |
| Hail | 109 | 0 | – | 14th of 67 | 1425th of 3,080 |
| Tornadoes | 47 | 2 | $11M | 31st of 67 | 353rd of 3,080 |
| Wildfires | 43 | 0 | $1.2M | 1st of 67 | 17th of 2,972 |
| Heavy rain | 42 | 0 | $19K | 13th of 67 | 207th of 3,080 |
| Floods | 31 | 0 | $6.7M | 30th of 67 | 1731st of 3,080 |
| Lightning | 21 | 1 | $993K | 27th of 67 | 284th of 3,080 |
| Hurricanes and tropical storms | 17 | 4 | – | 49th of 67 | 315th of 1,849 |
| Drought | 10 | 0 | – | 35th of 67 | 2072nd of 3,063 |
| Winter storms | 3 | 0 | – | 21st of 67 | 2987th of 3,077 |
| High wind and dust storms | 2 | 0 | $9K | 41st of 67 | 2830th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Putnam County record: every hazard by year and month, the deadliest events and FEMA's declarations.