Natural hazards · Troy

Troy, AL natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Troy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 35% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes18%Tornadoes15%Heat waves14%Everything else14%

By hazard

What Troy faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

40% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

18% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 8 years in the area

Tornadoes

15% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 91 years in the area

Heat waves

14% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 9 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Troy flood?

FEMA's records show no paid flood insurance claims in Troy.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Troy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pike County.

What’s been done with FEMA grants

15storm safe rooms built

Disasters that hit Troy

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Troy itself: aid to households, or repair grants to the City of Troy.

Brought FEMA money into TroyDeclared for Pike County only

2020

Hurricane Sally

$422K to the City of Troy for repairs

2020

Severe Storms, Straight-Line Winds, and Tornadoes

$673K to the City of Troy for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$346K to the City of Troy for repairs

2009

Severe Storms and Flooding

$22K to the City of Troy for repairs

2005

Hurricane Dennis

$27K to the City of Troy for repairs

2004

Hurricane Ivan

600 households applied for aid $1.1M aid approved $273K to the City of Troy for repairs

Pike County has had 20 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Troy covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Troy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Troy. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Troy total about $1.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.