Putnam County, MO Environment & Hazard Risk
Very Low natural hazard risk, led by landslide. 241 storm events since 1996.
- Expected yearly loss
- $3.4M
- Very Low nationally
- Storm events since 1996
- 241
- Most often hail
- Flood insurance policies
- 1
- 0.0% of homes
- Hurricanes nearby
- 0
- Since 1851
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Very Low
Score 8.2 of 100
Social vulnerability
Relatively High
Score 66.7 of 100
Community resilience
Relatively Low
Score 34.2 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $1.3B · Agriculture value exposed: $121M · Risk-adjusted yearly loss: $4.4M
Risk by hazard
- LandslideRelatively Moderate$34.4K/yr expected annual loss, about once every 2 years
- DroughtRelatively Moderate$452K/yr expected annual loss, about 18 events a year
- Heat waveRelatively Low$256K/yr expected annual loss, about 7.9 events a year
- TornadoRelatively Low$778K/yr expected annual loss, about once every 4 years
- WildfireVery Low$21K/yr expected annual loss, about once every 868 years
- HailRelatively Low$144K/yr expected annual loss, about 3.7 events a year
- Cold waveRelatively Low$347K/yr expected annual loss, about 4.7 events a year
- Strong windRelatively Low$189K/yr expected annual loss, about 3.4 events a year
- LightningVery Low$64.9K/yr expected annual loss, about 46 events a year
- EarthquakeVery Low$21.2K/yr expected annual loss, about once every 1,085 years
- HurricaneVery Low$2,075/yr expected annual loss, about once every 100 years
- Ice stormVery Low$4,217/yr expected annual loss, about once every 4 years
- Winter weatherVery Low$5,958/yr expected annual loss, about 11 events a year
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
- 1 of 2,892 (0.0%)
- Homes in high-risk flood zones
- 35
- Insured in high-risk zones
- 0 (0%)
- Flood claims since 1978
- 1
- Claims paid since 1978
- $3,122
Storm history
Since 1996: 241 events, 0 deaths, $813K in damage
- Hail64
- Thunderstorm Wind44
- Winter Storm25
- Drought23
- Flash Flood22
- Heat12
- Heavy Snow10
- Winter Weather9
- Extreme Cold/Wind Chill9
- Ice Storm7
Events per year
8 tornadoes on record (EF0 2, F0 2, F1 3, F4 1).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- Thunderstorm Wind74 kt wind06/14/2001
Martinstown, Putnam County
2 injured, $50K damage
What happened
Mobile home destroyed with two injuries. Reported by law enforcement.
- Heavy Snow04/10/1997
Putnam
$500K damage
What happened
Heavy wet snow fell across the Northern third of Missouri throughout the day on the 10th followed by a second band of snow during the early morning hours of the 11th. Since temperatures were near or slightly over freezing during the snowfall, some of the snow melted quickly but 6 to 12 inches of snow accumulated with well over a foot in many locations. The heaviest snow fell along and to the north of Highway 136 from Albany in Gentry County to Prineton in Mercer County to Lancaster in Schuyler County. The greatest totals were recorded in Schuyler and Mercer Counties where 20-24 inches of snow was reported. Schuyler County Emergency Management reported 24 inches of snow at Lancaster and a Mercer County Cooperative Observer measured 20 inches of snow in Lake Pahoe. Mercer County Emergency Management officials reported 18 inches of snowfall in Mercer and 14 inches in Priceton. Elsewhere in Northern Missouri, Cooperative Observers reported 17 inches of snow in Grant City, 14 inches in Bethany and 13 to 18 inches in Unionville. Observers in Albany reported 15 to 20 inches of heavy wet snow. In Schuyler County, just over 2 million dollars of damage was reported as a...
- Thunderstorm Wind52 kt wind03/12/2006
Unionville, Putnam County
$200K damage
Drinking water
4 community water systems serve about 4,895 people. Violations since 2021.
1 system 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.
- Putnam County Pwsd 1Serves 2,550 · Purchased surface water · Local governmentNo health violations
- Unionville PwsServes 1,735 · Purchased surface water · Local government2 health violations+2 monitoring or reporting
- Lake ThunderheadServes 585 · Purchased surface water · PrivateNo health violations+6 monitoring or reporting
- Rathbun Regional Water AssociationServes 25 · Purchased surface water · PrivateNo health violations
Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.
Pollution sites
0 Superfund sites and 1 toxic release facility in Putnam County
Superfund sites
None in this county.
Toxic release facilities
- Murphy Brown of Missouri Llc-Lucerne Feedmill0 lbs released, Lucerne
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk1 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 $3.4M a year. The highest-rated hazards are landslide (relatively moderate), drought (relatively moderate), heat wave (relatively low).
- What storms are most common in Putnam County?
- Since 1996, NOAA recorded 241 storm events affecting Putnam County, most often hail (64), thunderstorm wind (44), winter storm (25).
- How many tornadoes have hit Putnam County?
- 8 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?
- 1 residential flood insurance policy is in force in Putnam County, covering about 0.0% of homes. The program has paid $3,122 on 1 claim here since 1978.
- What is the weather like in Putnam County?
- At Unionville, average highs reach 86°F in Jul and lows fall to 15°F in Jan, with 41.9 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.