Putnam County, Missouri: hazard risk
FEMA rates Putnam County's overall risk Very Low (score 8.2 of 100, higher than 8% of rated U.S. counties). Its storm record holds 265 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 87.6 | $34K |
| Drought | Relatively Moderate | 71.0 | $452K |
| Heat Wave | Relatively Low | 46.8 | $256K |
| Tornado | Relatively Low | 43.0 | $778K |
| Hail | Relatively Low | 40.0 | $144K |
| Cold Wave | Relatively Low | 30.4 | $347K |
| Strong Wind | Relatively Low | 24.8 | $189K |
| Wildfire | Very Low | 40.1 | $21K |
| Lightning | Very Low | 23.4 | $65K |
| Earthquake | Very Low | 19.2 | $21K |
| Hurricane | Very Low | 11.9 | $2K |
| Riverine Flooding | Very Low | 10.1 | $1.1M |
| Ice Storm | Very Low | 10.1 | $4K |
| Winter Weather | Very Low | 9.7 | $6K |
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. |
|---|---|---|---|---|---|
| Hail | 76 | 0 | – | 98th of 114 | 1562nd of 3,080 |
| Winter storms | 54 | 0 | $926K | 39th of 114 | 1439th of 3,077 |
| Severe thunderstorm wind | 53 | 0 | $433K | 109th of 114 | 2306th of 3,080 |
| Drought | 23 | 0 | – | 44th of 114 | 1062nd of 3,063 |
| Floods | 23 | 0 | – | 111th of 114 | 2304th of 3,080 |
| Heat | 14 | 0 | – | 59th of 114 | 825th of 3,076 |
| Extreme cold | 12 | 0 | – | 27th of 114 | 1013th of 3,076 |
| Tornadoes | 8 | 0 | $2.0M | 113th of 114 | 2285th of 3,080 |
| Heavy rain | 1 | 0 | – | 81st of 114 | 1940th of 3,080 |
| High wind and dust storms | 1 | 0 | – | 105th of 114 | 2877th 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.