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Flood Insurance in Putnam County, Florida

Your lender set the requirement. Nobody set the price.

Flood insurance paid $4.1 million on 172 claims in Putnam County after Hurricane Irma. That one event was 46% of everything flood insurance paid there in the past decade.[1]

Putnam County at a glance

Flood policies in force in Putnam County
1,119[2]
Flood claims paid in 10 years
$9[1]million
CRS discount, unincorporated Putnam County
10%[3]
First FEMA flood map
1981[4]

What floods have cost Putnam County

414[1]

Flood claims filed in Putnam County in the last 10 years.

Flood claims paid in Putnam County, by storm[1]

  1. Hurricane Irma 2017, 172 claims $4.1M
  2. Hurricane Matthew 2016, 115 claims $2.5M
  3. Hurricane Ian 2022, 47 claims $1.4M
  4. Hurricane Milton 2024, 32 claims $681,193
  5. Hurricane Nicole 2022, 12 claims $49,316
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Flood zones in Putnam County

Same flood zone, very different prices. Your zone decides if a lender requires flood insurance. The price depends on the home itself.

Zone A Zone AE Zone X [5]

If your home is in a high-risk zone and your mortgage comes from a federally regulated or insured lender, flood insurance is required.

Map of Florida with Putnam County shaded
Putnam County, Florida[6]

What sets the price in Putnam County

Same flood zone, very different prices in Putnam County. Here is why.

Your zone decides whether the lender requires flood insurance. It does not set your NFIP price. Since 2021, FEMA prices each policy from the building and its spot.[7]

  1. How often the spot floods. FEMA looks at how often flooding reaches the building's location.
  2. How close it sits to water. The distance from the building to a flooding source.
  3. The building itself. How high the first floor sits and what it would cost to rebuild.
Unincorporated Putnam County: Community Rating System Class 8, 10% discount, on a scale that tops out at 45%. 0% 45%
Unincorporated Putnam County earns 10% off NFIP flood premiums in the high-risk zone.[3]

Find out what your Putnam County address needs

Your flood zone and your community's discount, in one check.

Questions about flood insurance in Putnam County

Is flood insurance required in Putnam County?

If your home is in a Special Flood Hazard Area (zones A, AE) and you have a federally backed mortgage, yes. In zone X it is optional. Homeowners insurance does not cover flood. [8][5]

Is there a waiting period for flood insurance in Putnam County?

Putnam County's 1,119 NFIP policies follow federal rules: 30 days for a standard NFIP purchase. No wait when the policy is bought as part of getting, refinancing, increasing, extending or renewing a loan on the home. One day when a new flood map just placed the home in a high-risk zone (within 13 months of the map date). [9][2]

What does flood insurance cost in Putnam County?

The county average is $1,045 per year across 1,119 active NFIP policies (FEMA, July 2026). [2]

How much did Hurricane Irma cost Putnam County?

172 NFIP claims and $4.1 million paid in Putnam County, per federal claim records. [1]

Your flood toolkit for Putnam County

  • Emergency management

    Putnam County Emergency Management[10]

    Call (386) 329-0379

  • Flood zone help

    Putnam County Building Division[11]

    Call (386) 329-0307

  • Your evacuation zone

    Look up your Putnam County evacuation zone[10]

    Open the county's page

Keep reading about flood insurance in Putnam County

Counties next to Putnam County

Sources and dates

  1. FEMA OpenFEMA, FIMA NFIP Redacted Claims v2. Putnam County NFIP claims, last 10 years. Read July 4, 2026.
  2. FEMA OpenFEMA, FIMA NFIP Redacted Policies v2. Putnam County NFIP policies in force. Read July 4, 2026.
  3. FEMA CRS Eligible Communities, October 1, 2026 effective date (PDF). Putnam County Community Rating System class. Read November 4, 2026.
  4. FEMA NFIP Community Status Book, Florida. Putnam County first flood map. Read November 7, 2026.
  5. FEMA National Flood Hazard Layer (NFHL), layer 28 'Flood Hazard Zones', DFIRM_ID 12107C, distinct FLD_ZONE. Putnam County flood zones. Read November 10, 2026.
  6. U.S. Census Bureau, cartographic boundary files, 2017 edition, 1:10,000,000 (as redistributed in us-atlas 3.0.1). County and state outlines on the map. Read October 27, 2026.
  7. FEMA, Understanding Risk Rating 2.0 fact sheet, July 2025. The rating variables: frequency of flooding, proximity to flood sources, first floor height and the cost to rebuild; Risk Rating 2.0 since October 1, 2021. Read October 26, 2026.
  8. 42 U.S.C. 4012a, Flood insurance purchase requirements. A federally regulated lender requires flood insurance on a building in a Special Flood Hazard Area. Read October 26, 2026.
  9. 44 CFR 61.11, Effective date and time of coverage. The 30-day wait, the loan exception and the map revision exception. Read October 29, 2026.
  10. putnam-fl.gov. Putnam County Emergency Management. Read November 8, 2026.
  11. putnam-fl.gov. Putnam County Building Division. Read November 8, 2026.
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