Natural hazards · Troy

Troy, KS 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. 1 federal disaster brought FEMA money into town.

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 72% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding28%Tornadoes19%Wildfire14%Hail13%Strong wind8%Cold waves6%Everything else12%

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

28% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 4 years in the area

Wildfire

14% of expected damage

Well above average · higher than 98% of U.S. places

Hail

13% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 11 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 7 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Lower here

Winter weatherHeat wavesEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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: Reno County.

Disasters that hit Troy

1 federal disaster 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 Reno County only

2013

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

$8K to the Township of Troy for repairs

Reno County has had 21 natural disasters declared since 1953, most often severe storms and fires.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Arlingtonmostly wildfiresVery high

Troymostly inland floodingHigh

Castletonmostly inland floodingHigh

Roscoemostly inland floodingHigh

Centermostly 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 is smaller than a census tract, so it shares the figures of the tract around its center.

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 Township of Troy. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.