Putnam County, FL: Home-Insurance Distress & Forced-Sale Pressure
Putnam County, FL: 94/100 (severe) home-insurance distress; Putnam, FL band HIGH; Putnam, FL #56 of 3,222 counties; Putnam, FL #33 of 67 in Florida.
FEMA hazard, Putnam, FL: 99/100; Putnam, FL declarations, three years: 18; Putnam, FL perils: 9 hurricane, 6 tropical-storm, 3 fire; Putnam, FL five-year count 21 (severity 28.5); Putnam, FL ten-year 21; hazard-weighted, Putnam, FL: 69.0.
Declared incidents on the Putnam, FL record: 2026 Fire 3; 2024 Hurricane 9 (Putnam, FL); 2024 Tropical Storm 6; 2023 Tropical Storm 1 (Putnam, FL); 2023 Hurricane 1 (Putnam, FL).
NFIP claims, Putnam, FL, three years: 39; Putnam, FL payouts $728,549; per Putnam, FL claim $18,681; Putnam, FL claim-stress 85/100.
Putnam, FL monthly score rose, 87 (March 2026) to 94 (October 2026); Putnam, FL by month: March 87, April 87, May 86, June 86 (Putnam, FL), July 86, August 86, September 86, October 94.
Putnam, FL components: climate 99, NFIP claims 85; Putnam, FL retreat index 94.
Construction distress, Putnam, FL: 30/100 as of August 2026 (Putnam, FL: 30/100 one-to-four unit, 8/100 multifamily).
Putnam, FL ZIPs, June 2026 (Putnam, FL, 16 highest): score 0 (Putnam, FL), climate 90 (Putnam, FL): 32134; score 0 (Putnam, FL), climate 89 (Putnam, FL): 32145; score 0 (Putnam, FL), climate 85 (Putnam, FL): 32640; score 0 (Putnam, FL), climate 83 (Putnam, FL): 32043; score 0 (Putnam, FL), climate 78 (Putnam, FL): 32666; score 0 (Putnam, FL), climate 77 (Putnam, FL): 32131, 32140; score 0 (Putnam, FL), climate 76 (Putnam, FL): 32112, 32139, 32147, 32148, Putnam, FL 32157, 32177, 32181, 32187, Putnam, FL 32189.
DLRadar rescores Putnam, FL monthly; Putnam, FL readings join Putnam, FL foreclosure, lien and ownership parcels (Putnam, FL), so cost-squeezed Putnam, FL owners surface before listing.
Inside Florida, Putnam County ranks 33rd of 67 counties for home-insurance distress at 94/100; Sumter County (94/100) sits just above Putnam County, and Monroe County (93/100) sits just below Putnam County.
Deterministic. Every Putnam County, FL signal traces to a public Putnam dataset (FEMA, NFIP, Census for Putnam, FL) · how insurance distress works in Putnam, FL · methodology
FAQ: Putnam County, FL insurance distress
What is the Putnam County, FL home-insurance-distress score?
Putnam, FL: 94/100 (HIGH), #56 of 3,222, #33 in Florida. FEMA hazard, Putnam, FL: 99/100; NFIP stress, Putnam, FL: 85/100; construction, Putnam, FL: 30/100; Putnam, FL rescores monthly.
Is Putnam County insurance distress getting better or worse (FL)?
Putnam, FL: 87 in March 2026; Putnam, FL: 94 in October 2026 (worse); Putnam, FL climate component 99; Putnam, FL NFIP claims score 85.
How many flood-insurance claims has Putnam County, FL had?
Putnam, FL: 39 NFIP claims, three years; Putnam, FL paid $728,549; per Putnam, FL claim $18,681; carriers reprice Putnam, FL against that record.
Which Putnam County ZIP codes carry the most insurance distress (FL)?
Putnam, FL, June 2026: 32134 at 0, 32145 at 0, 32640 at 0, 32043 at 0; Putnam, FL climate scores there: 90, 89, 85, 83.
Why does Putnam, FL insurance distress create sellers?
A Putnam, FL premium outruns the Putnam, FL budget; a carrier leaves Putnam, FL; Putnam, FL carrying cost passes plan; Putnam, FL owners sell while current; Putnam, FL insurance distress leads Putnam, FL foreclosure data.