Enter any address in Putnam County, Florida to see its FEMA flood zone
Flooding from tropical storms and heavy rainfall events are the primary flood concerns for Putnam County. Over the past 30 years, NOAA Storm Events data shows 16 flood events, 8 tropical storm events, and 8 flash flood events. For example, Putnam County experienced flooding from a stalled front and heavy rainfall on August 8, 2025, and wind damage from Hurricane Helene on September 26, 2024. Coastal flooding also occurs, as seen with nor'easters producing tidal flooding around high tides on October 1 and October 10, 2025.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $16,669 and an average water depth of 2.1 feet. Properties in Zone X_UNSHADED also saw significant payouts, averaging $19,592 with 0.7 feet of water depth. Homeowners in Zone A, as well as those in areas prone to tidal flooding or located near rivers, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
21 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Putnam County, Florida has recorded 35 flood-related events since 1996 according to NOAA's Storm Events Database, including 8 flash floods and 16 river or area floods. The county has received 40 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Milton | Hurricane | Oct 5, 2024 |
| Hurricane Helene | Hurricane | Sep 23, 2024 |
| Hurricane Debby | Tropical Storm | Aug 1, 2024 |
| Tropical Storm Debby | Tropical Storm | Aug 1, 2024 |
| Hurricane Idalia | Hurricane | Aug 27, 2023 |
| Tropical Storm Idalia | Tropical Storm | Aug 27, 2023 |
| Hurricane Nicole | Hurricane | Nov 7, 2022 |
| Tropical Storm Nicole | Tropical Storm | Nov 7, 2022 |
| Hurricane Ian | Hurricane | Sep 23, 2022 |
| Tropical Storm Ian | Hurricane | Sep 23, 2022 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Coastal Flood | Oct 10, 2025 | 0.00K |
| Flood | Aug 8, 2025 | 0.00K |
| Coastal Flood | Oct 1, 2025 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 0.00K |
| Flood | Sep 12, 2024 | 0.00K |
| Flood | Sep 9, 2024 | 0.00K |
| Flood | Oct 9, 2024 | 0.00K |
| Tropical Storm | Oct 9, 2024 | 0.00K |
| Flood | Sep 8, 2024 | 0.00K |
| Tropical Storm | Aug 4, 2024 | 0.00K |
Coastal Flood — Oct 10, 2025
An extended duration local nor'easter wind event developed October 9th and persisted through the 12th between high pressure wedging down the SE US coast and a sharpening coastal trough axis over the local coastal waters. Gusty winds of 40-51 mph impacted coastal areas, with the strongest winds from 10/9 in the afternoon through 10/10 in the evening along the Duval county coast of 51 mph. Tidal ...
Flood — Aug 8, 2025
A stalled front and high moisture across the area combined with slow storm motion produced locally heavy, briefing flooding rainfall.
Coastal Flood — Oct 1, 2025
An extended duration nor'easter developed on September 30th and continued through October 6th. This event produced an extended period onshore flow combined with a period of high astronomical tides (spring or neap tides). The higher-than-normal tides combined with storm surge with the local nor'easter produced minor to moderate tidal flooding daily around high tides. The more impacted tidal floo...
Tropical Storm — Sep 26, 2024
Hurricane Helene made landfall as a category 4 with peak winds of near 140 mph in the Florida Big |Bend just east of the Aucilla River Entrance in Taylor County, late Thursday evening September 26, |2024. Helene's main impact to southeast Georgia and northeast Florida was wind damage as it |tracked quickly north-northeast. The very powerful hurricane and the forward motion produced a |wide swa...
Flood — Sep 12, 2024
The combination of high astronomical tides and persistent onshore flow caused tidal flooding along the St. Johns River basin.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Putnam County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Putnam County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.