Natural hazards · Troy

Troy, IL natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 111 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Troy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves19%Tornadoes17%Everything else5%

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

60% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Cold waves

19% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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?

Every paid claim on a federal flood insurance policy in Troy, from FEMA’s records.

111paid claims since 1978

$1.6Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 6 claims, $129K
Hurricane Ike: 4 claims, $46K
Tropical Storm Erin: 1 claim, $7K

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: Will County.

Disasters that hit Troy

4 federal disasters brought FEMA money here

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

Brought FEMA money into TroyDeclared for Will County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$63K to the Township of Troy for repairs

2011

Severe Winter Storm and Snowstorm

$12K to the Township of Troy for repairs

2008

Severe Storms and Flooding

$1K to the Township of Troy for repairs

1999

Il-Winter Storm 1/1/99

$11K to the Township of Troy for repairs

Will County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Jolietmostly inland floodingHigh

Channahonmostly inland floodingModerate

Sewardmostly inland floodingModerate

Troymostly inland floodingModerate

Jolietmostly inland floodingModerate

Plainfieldmostly inland floodingModerate

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 12 census tracts, combined by population.

Money that reached townFlood claims are matched to Troy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $27.3M 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.