Natural hazards · Troy

Troy, ME 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. 7 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 51% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding44%Hurricanes21%Cold waves11%Winter weather7%Ice storms6%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

44% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once a year in the area

Hurricanes

21% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 11 years in the area

Cold waves

11% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 4 times a year in the area

Winter weather

7% of expected damage

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

Recorded about 36 times a year in the area

Ice storms

6% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailHeat 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?

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: Waldo County.

Disasters that hit Troy

7 federal disasters brought FEMA money here

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

Brought FEMA money into TroyDeclared for Waldo County only

2024

Severe Storms and Flooding

3 households applied for aid $23K aid approved

2023

Severe Storm and Flooding

$219K to the Town of Troy for repairs

2022

Severe Storm and Flooding

$73K to the Town of Troy for repairs

2017

Severe Storm and Flooding

$15K to the Town of Troy for repairs

2007

Severe Storms and Inland and Coastal Flooding

$27K to the Town of Troy for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$37K to the Town of Troy for repairs

2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$11K to the Town of Troy for repairs

Waldo County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Troymostly inland floodingModerate

Unitymostly inland floodingModerate

Dixmontmostly inland floodingLow

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 Town 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.