Natural hazards · Putnam

Putnam, CT natural hazards

Most of the natural-hazard damage FEMA expects in Putnam comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1996.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Putnam?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Putnam to be higher than in 71% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding74%Hurricanes16%Everything else10%

By hazard

What Putnam faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

74% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Putnam flood?

Every paid claim on a federal flood insurance policy in Putnam, from FEMA’s records.

3paid claims since 1996

$6Kpaid to owners

1homes flooded more than once

19962026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Putnam isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: .

Around Putnam

Putnam and the towns around it

Very lowLowModerateHighVery high

Putnammostly inland floodingHigh

Killinglymostly inland floodingHigh

Thompsonmostly inland floodingModerate

Pomfretmostly inland floodingModerate

Woodstockmostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Putnam covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Putnam’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Putnam. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Putnam total about $4.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.