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 1 claim here since 2019.

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 58% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding31%Earthquakes20%Tornadoes18%Heat waves13%Cold waves12%Everything else6%

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

31% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Earthquakes

20% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

18% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

13% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 15 times a year in the area

Cold waves

12% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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.

1paid claims since 2019

$4Kpaid to owners

0homes flooded more than once

20192026

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: Madison County.

Disasters that hit Troy

Federal disasters declared here

None of the disasters declared for Madison County shows FEMA aid or repair money reaching Troy itself in FEMA’s records.

Brought FEMA money into TroyDeclared for Madison County only

Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Troymostly inland floodingModerate

Jarvismostly inland floodingModerate

Collinsvillemostly inland floodingModerate

Maryvillemostly earthquakesModerate

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 1 census tract, 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 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 $3.9M 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.