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Risk: Very Low

Putnam County, IL Environment & Hazard Risk

Very Low natural hazard risk, led by drought. 359 storm events since 1996.

Expected yearly loss
$4.73M
Very Low nationally
Storm events since 1996
359
Most often thunderstorm wind
Flood insurance policies
10
0.3% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 9.2 of 100

Social vulnerability

Relatively Low

Score 34.8 of 100

Community resilience

Relatively High

Score 79.9 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $3.29B · Agriculture value exposed: $57.34M · Risk-adjusted yearly loss: $4.75M

Risk by hazard

  • DroughtRelatively Low$346K/yr expected annual loss, about 8.9 events a year
  • LandslideVery Low$1,210/yr expected annual loss, about once every 22 years
  • Strong windRelatively Low$463K/yr expected annual loss, about 5.4 events a year
  • EarthquakeVery Low$159K/yr expected annual loss, about once every 675 years
  • TornadoRelatively Low$622K/yr expected annual loss, about once every 6 years
  • Cold waveRelatively Low$483K/yr expected annual loss, about 5.1 events a year
  • Ice stormVery Low$17.3K/yr expected annual loss, about once every 1 year
  • Heat waveVery Low$60.73K/yr expected annual loss, about 6.5 events a year
  • HailVery Low$54.02K/yr expected annual loss, about 3.7 events a year
  • Winter weatherVery Low$10.47K/yr expected annual loss, about 15 events a year
  • HurricaneVery Low$1,434/yr expected annual loss, about once every 100 years
  • LightningVery Low$23.97K/yr expected annual loss, about 44 events a year
  • WildfireVery Low$1,444/yr expected annual loss, about once every 13,612 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
10 of 3,299 (0.3%)
Homes in high-risk flood zones
59
Insured in high-risk zones
8 (14%)
Flood claims since 1978
66
Claims paid since 1978
$1.09M

Flood claims paid per year

Flood claims paid per year in Putnam County
  • Mid-spring storms$591K · 12 claims
  • Flooding$114K · 23 claims
  • Hurricane Ike$58.36K · 1 claim

Storm history

Since 1996: 359 events, 0 deaths, $19.99M in damage

  • Thunderstorm Wind89
  • Hail60
  • Winter Weather50
  • Winter Storm49
  • Drought15
  • Heavy Snow12
  • Flash Flood11
  • High Wind9
  • Dense Fog9
  • Ice Storm9

Events per year

Storm events per year in Putnam County
27
25
8
17
8
15
12
13
20
7
14
5
10
11
4
9
2
13
4
8

12 tornadoes on record (EF0 2, EF1 1, EF2 1, F0 2, F2 4, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • TornadoF2, 6.8 mi path, 880 yd wide04/20/2004

    Florid, Putnam County

    5 injured, $8M damage

    What happened

    Rated very high end F2

  • Drought07/01/2005

    Putnam

    $5.39M damage

    What happened

    The drought that began back in June 2005 continued through July and into August 2005 and spread into Eastern Iowa and Northeast Missouri. The drought became severe to extreme across Northwest and West Central Illinois while it was only severe across Eastern Iowa and Northeast Missouri. The drought combined with high heat during the second half of the month decimated the corn crop. At one point during the month of July, the dryness for the calendar year across parts of the area equalled or exceeded the dry conditions during the drought of 1988. By late June the governor of Illinois had activated the Drought Response Task Force in response to severe drought conditions. By late July much of the state was declared an agricultural disaster area by the USDA.Crop loss estimates varied across the entire area. Across Illinois, the worst losses were along the Illinois River Valley with an estimated 40% yield reduction that decreased to around 25-30% along the Mississippi River Valley. In Iowa, loses rapidly decreased the further west one went from the Mississippi River Valley and were near or just slightly below normal upon reaching an Independence to Oskaloosa Iowa line.

  • Thunderstorm Wind61 kt wind05/01/2003

    Putnam, Putnam County

    $3M damage

    What happened

    Bow echo

  • Thunderstorm Wind69 kt wind05/01/2003

    Standard, Putnam County

    $1M damage

    What happened

    Supercell thunderstorms developed in the afternoon and evening north of a warm front that ran from Southern Iowa into Central Illinois. Three distinct supercells produced a majority of the wind, hail, and heavy rain reports from Jefferson County Iowa into Henry County Illinois. Mercer County Illinois was under tornado warnings on a continuous basis for 2 hours. Officials at a high school track meet in Aledo, Illinois ushered all students into the safety of the school resulting in no injuries. The training of the supercells from Louisa County Iowa to Henry County Illinois dumped heavy rain over the Edwards River and Pope Creek basins in Illinois with radar estimating 9 inches of rain. Actual amounts varied due to large amounts of hail with the storms. Cambridge Illinois estimated 7 to 8 inches of rain fell in the town. Illinois Route 17 was closed due to flooding between Aledo and Viola with Illinois Route 94 closed south of Aledo. In Andover Illinois, two thirds of the town had basements flooded. Toward the end of the event a bow echo developed in Henry County Illinois and raced east across Bureau and Putnam counties. The fire department in Standard, Illinois measured...

  • TornadoEF2, 8.96 mi path, 880 yd wide06/06/2010

    Putnam, Putnam County

    $1M damage

    What happened

    Between approximately 810 pm and 835 pm on June 5, an EF2 tornado moved across areas from about 2.75 miles east northeast of Henry, IL, through Magnolia, IL, into western La Salle County about 3 miles east of Magnolia, IL. Wind speeds were estimated to be 135 mph. The tornado touched down at the shore of Sawmill Lake with a width of about 0.5 miles. Numerous trees were snapped off and shredded, laying in scattered directions. Extensive tree damage and some structural damage was observed toward Taylor Rd. Along County Road 150 N and Highway 18 west of Magnolia, several farm outbuildings including a large barn and steel shed were destroyed. A 400 to 450 foot tall cell phone tower was completely destroyed. |In Magnolia, IL, the tornado caused extensive tree damage across the northern two thirds of town with minor damage to numerous residences. On the north side of town, the tornado ripped the roofs completely off of four structures. The tornado weakened to an EF0 rating as it approached and crossed into La Salle County, where the NWS Chicago Storm Survey Team indicated it lifted about 1.23 miles east of the county line just south of Highway 18.

  • Drought08/01/2005

    Putnam

    $635K damage

    What happened

    The 2005 drought that started back in June continued through the month of August 2005 and into September 2005. Severe to extreme drought continued across the northern half of Illinois, eastern third of Iowa, and northeast Missouri. Although rainfall was more plentiful during the month, it continued to remain widely scattered. What rainfall did occur helped keep soybean losses to a minimum and preserved what was left of the corn crop. The severe dryness of the drought continued to place it equal to or exceeding the drought of 1988. By the end of August the governor of Iowa had requested areas south and east of a line from Dubuque, to Independence, to Ottumwa (save Buchanan County) be declared an agricultural disaster area.Soybean crop losses generally were estimated at a 10-15% reduction in yield across Illinois, eastern Iowa, and northeast Missouri. There were pockets across eastern Iowa and northeast Missouri where an estimated 20-30% reduction in yield for soybeans was expected.

Latest storm reports

Newest first

  • Thunderstorm Wind61 kt wind05/05/2026

    Moronts, Putnam County

  • Thunderstorm Wind50 kt wind04/18/2026

    Hennepin, Putnam County

  • Thunderstorm Wind52 kt wind04/03/2026

    Granville, Putnam County

  • Thunderstorm Wind56 kt wind04/03/2026

    Hennepin, Putnam County

  • Thunderstorm Wind53 kt wind04/03/2026

    Hennepin, Putnam County

  • Thunderstorm Wind65 kt wind04/03/2026

    Hennepin, Putnam County

  • Blizzard03/16/2026

    Putnam

  • Hail1" hail03/11/2026

    Mc Nabb, Putnam County

Drinking water

8 community water systems serve about 4,026 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

  • GranvilleServes 1,359 · Groundwater · Local governmentNo health violations
  • Hennepin PwdServes 750 · Groundwater · Local governmentNo health violations
  • MarkServes 555 · Groundwater · Local government1 health violation+3 monitoring or reporting
  • Lake Thunderbird SubdivsionServes 450 · Groundwater · Private1 health violation+2 monitoring or reporting
  • McnabbServes 258 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
  • MagnoliaServes 244 · Groundwater · Local governmentNo health violations
  • StandardServes 225 · Groundwater · Local governmentNo health violations
  • Oak Park EstatesServes 185 · Purchased groundwater · PrivateNo health violations+2 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Hennepin, 3.5 mi from the county center

Summer highs peak around 85°F in Jul and winter lows bottom out near 17°F in Jan. About 38.6 inches of rain falls in a typical year.

MonthHighLowRain
Jan32°F17°F1.95 in
Feb37°F20°F1.80 in
Mar50°F30°F2.46 in
Apr64°F41°F3.85 in
May74°F51°F4.76 in
Jun82°F61°F4.55 in
Jul85°F65°F3.89 in
Aug83°F62°F3.77 in
Sep77°F55°F3.45 in
Oct65°F43°F3.31 in
Nov50°F32°F2.60 in
Dec37°F22°F2.19 in
Year51°F average38.6 in

Pollution sites

0 Superfund sites and 4 toxic release facilities in Putnam County

Superfund sites

None in this county.

Toxic release facilities

Total: 82,290 lbs in 2024, 82,290 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk3 historic places

Frequently asked questions

How risky is Putnam County for natural disasters?
FEMA rates Putnam County very low for overall natural hazard risk, with expected losses of $4.73M a year. The highest-rated hazards are drought (relatively low), landslide (very low), strong wind (relatively low).
What storms are most common in Putnam County?
Since 1996, NOAA recorded 359 storm events affecting Putnam County, most often thunderstorm wind (89), hail (60), winter weather (50).
How many tornadoes have hit Putnam County?
12 tornadoes have been recorded in Putnam County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Putnam County have flood insurance?
10 residential flood insurance policies are in force in Putnam County, covering about 0.3% of homes. The program has paid $1.09M on 66 claims here since 1978.
What is the weather like in Putnam County?
At Hennepin, average highs reach 85°F in Jul and lows fall to 17°F in Jan, with 38.6 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.