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 moderate for a U.S. community. 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 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding32%Tornadoes27%Drought15%Cold waves9%Hail6%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

32% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

27% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 9 years in the area

Drought

15% of expected damage

Recorded about 19 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 4 times a year in the area

Hail

6% of expected damage

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

Recorded about 9 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 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: Doniphan 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 City of Troy.

Brought FEMA money into TroyDeclared for Doniphan County only

2015

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

$9K to the City of Troy for repairs

2010

Severe Storms, Flooding, and Tornadoes

$3K to the City of Troy for repairs

2009

Severe Winter Storms and Snowstorm

$14K to the City of Troy for repairs

2007

Severe Winter Storms

$31K to the City of Troy for repairs

Doniphan County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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 City 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.