Putnam County, NY: Home-Insurance Distress & Forced-Sale Pressure
Putnam County, NY: 26/100 (moderate) home-insurance distress; Putnam, NY band LOW; Putnam, NY #1,849 of 3,222 counties; Putnam, NY #32 of 62 in New York; raw Putnam, NY 30.9; Putnam, NY coverage multiplier 0.85.
FEMA hazard, Putnam, NY: 0/100; Putnam, NY declarations, three years: none; Putnam, NY five-year count 3 (severity 3.0); Putnam, NY ten-year 3.
Declared incidents on the Putnam, NY record: 2023 Severe Storm 1 (Putnam, NY).
NFIP claims, Putnam, NY, three years: 10; Putnam, NY payouts $174,531; per Putnam, NY claim $17,453; Putnam, NY claim-stress 77/100.
Putnam, NY monthly score fell, 27 (March 2026) to 26 (October 2026); Putnam, NY by month: March 27, April 27, May 27, June 27 (Putnam, NY), July 27, August 27, September 27, October 26.
Putnam, NY components: NFIP claims 77; Putnam, NY retreat index 26; Putnam, NY climate multiplier 0.85.
Construction distress, Putnam, NY: 71/100 as of August 2026 (Putnam, NY: 5/100 one-to-four unit, 94/100 multifamily).
Putnam, NY ZIPs, June 2026 (Putnam, NY, 13 highest): score 0 (Putnam, NY), climate 95 (Putnam, NY): 10588; score 0 (Putnam, NY), climate 88 (Putnam, NY): 12582; score 0 (Putnam, NY), climate 86 (Putnam, NY): 12533; score 0 (Putnam, NY), climate 83 (Putnam, NY): 12531; score 0 (Putnam, NY), climate 59 (Putnam, NY): 10537; score 0 (Putnam, NY), climate 52 (Putnam, NY): 10541; score 0 (Putnam, NY), climate 50 (Putnam, NY): 10509, 10512, 10516, 10524, Putnam, NY 10542, 10579, 12563.
DLRadar rescores Putnam, NY monthly; Putnam, NY readings join Putnam, NY foreclosure, lien and ownership parcels (Putnam, NY), so cost-squeezed Putnam, NY owners surface before listing.
Inside New York, Putnam County ranks 32nd of 62 counties for home-insurance distress at 26/100; Erie County (27/100) sits just above Putnam County, and Bronx County (26/100) sits just below Putnam County.
Deterministic. Every Putnam County, NY signal traces to a public Putnam dataset (FEMA, NFIP, Census for Putnam, NY) · how insurance distress works in Putnam, NY · methodology
FAQ: Putnam County, NY insurance distress
What is the Putnam County, NY home-insurance-distress score?
Putnam, NY: 26/100 (LOW), #1,849 of 3,222, #32 in New York. FEMA hazard, Putnam, NY: 0/100; NFIP stress, Putnam, NY: 77/100; construction, Putnam, NY: 71/100; Putnam, NY rescores monthly.
Is Putnam County insurance distress getting better or worse (NY)?
Putnam, NY: 27 in March 2026; Putnam, NY: 26 in October 2026 (better); Putnam, NY NFIP claims score 77.
How many flood-insurance claims has Putnam County, NY had?
Putnam, NY: 10 NFIP claims, three years; Putnam, NY paid $174,531; per Putnam, NY claim $17,453; carriers reprice Putnam, NY against that record.
Which Putnam County ZIP codes carry the most insurance distress (NY)?
Putnam, NY, June 2026: 10588 at 0, 12582 at 0, 12533 at 0, 12531 at 0; Putnam, NY climate scores there: 95, 88, 86, 83.
Why does Putnam, NY insurance distress create sellers?
A Putnam, NY premium outruns the Putnam, NY budget; a carrier leaves Putnam, NY; Putnam, NY carrying cost passes plan; Putnam, NY owners sell while current; Putnam, NY insurance distress leads Putnam, NY foreclosure data.