Natural hazards · Troy

Troy, IN natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 31 claims here since 1978.

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

Expected damage

How exposed is Troy?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 76% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes19%Strong wind8%Earthquakes6%Everything else11%

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

57% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 36 years in the area

Strong wind

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 78% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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.

31paid claims since 1978

$215Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Central U.S. April Flooding: 2 claims, $50K
Mid-spring storms: 2 claims, $24K
March storm: 1 claim, $465

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: Perry County.

Disasters that hit Troy

Federal disasters declared here

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

Brought FEMA money into TroyDeclared for Perry County only

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

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Tobinmostly inland floodingVery high

Troymostly inland floodingVery high

Andersonmostly inland floodingVery high

Troymostly inland floodingHigh

Canneltonmostly inland floodingHigh

Tell Citymostly inland floodingHigh

Huffmostly inland floodingHigh

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 4 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 $8.4M 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.