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Natural hazards · Putnam Valley

Putnam Valley, NY natural hazards

Most of the natural-hazard damage FEMA expects in Putnam Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 70 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Putnam Valley?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Putnam Valley to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding74%Hurricanes5%Everything else20%
By hazard

What Putnam Valley 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
Above average · higher than 59% of U.S. places
Recorded about once a year in the area

Hurricanes

5% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Valley flood?

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

70paid claims since 1979
$1.9Mpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 10 claims, $332K
  • Vermont/New York Flooding: 9 claims, $576K
  • Hurricane Floyd: 8 claims, $61K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Putnam Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Putnam County.
Disasters that hit Putnam Valley

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Putnam Valley itself: aid to households, or repair grants to the Town of Putnam Valley.

Brought FEMA money into Putnam ValleyDeclared for Putnam County only
2023

Severe Storms and Flooding

$4.4M to the Town of Putnam Valley for repairs
2020

Tropical Storm Isaias

$121K to the Town of Putnam Valley for repairs
2012

Hurricane Sandy

34 households applied for aid $12K aid approved $136K to the Town of Putnam Valley for repairs
2011

Hurricane Irene

48 households applied for aid $111K aid approved $93K to the Town of Putnam Valley for repairs
2007

Severe Storms and Inland and Coastal Flooding

$266K to the Town of Putnam Valley for repairs
2005

Severe Storms and Flooding

$103K to the Town of Putnam Valley for repairs
2003

Snow

$61K to the Town of Putnam Valley for repairs
1999

Hurricane Floyd Major Disaster Declarations

$120K to the Town of Putnam Valley for repairs
Putnam County has had 21 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Putnam Valley

Putnam Valley and the towns around it

Carmel: Very low, mostly inland floodingKent: Very low, mostly inland floodingPhilipstown: Moderate, mostly inland floodingSoutheast: Very low, mostly inland floodingSomers: Very low, mostly inland floodingPatterson: Very low, mostly inland floodingEast Fishkill: Moderate, mostly inland floodingPawling: Low, mostly inland floodingHighlands: Moderate, mostly inland floodingFishkill: Low, mostly inland floodingCortlandt: Very low, mostly inland floodingCornwall: Moderate, mostly inland floodingStony Point: Low, mostly inland floodingPutnam Valley: Low, mostly inland flooding Putnam ValleyCarmelKentPhilipstown
Very lowLowModerateHighVery high
Philipstownmostly inland floodingModerate
Putnam Valleymostly inland floodingLow
Carmelmostly inland floodingVery low
Kentmostly inland floodingVery low
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 Valley covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Putnam Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Putnam Valley. 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 Valley total about $3.1M 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.

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