Natural hazards · Putnam

Putnam, TX natural hazards

Most of the natural-hazard damage FEMA expects in Putnam comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Putnam?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Putnam to be higher than in 52% of U.S. communities, mostly from inland flooding and hail.

Inland flooding33%Hail21%Tornadoes19%Drought7%Wildfire6%Everything else14%

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

33% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Hail

21% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 3 years in the area

Drought

7% of expected damage

Recorded about 40 times a year in the area

Wildfire

6% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

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?

FEMA's records show no paid flood insurance claims in Putnam.

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: Callahan County.

Disasters that hit Putnam

Federal disasters declared here

None of the disasters declared for Callahan County shows FEMA aid or repair money reaching Putnam itself in FEMA’s records.

Brought FEMA money into PutnamDeclared for Callahan County only

Callahan County has had 19 natural disasters declared since 1953, most often fires and floods.

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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.

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.