Is Putnam County, NY in a flood zone?
FEMA's National Risk Index puts Putnam County's flood hazard at the 57.4th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Putnam County's flood-insurance compliance gap
Out of 139 homes FEMA counts inside Putnam County's mapped flood zone, 88 carry the flood policy federal law requires there — 63.3% compliance, short of full coverage. Across all residential structures in Putnam County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Putnam County compares nationally
Putnam County sits at rank 1402 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 629 of 3144 by population (1 is biggest). Putnam County, New York is home to about 98,409 people across 230.252 square miles of land.
Checking a specific address in Putnam County
222 of Putnam County's 35,797 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Putnam County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.