Natural hazards · Troy

Troy, MI natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 28 claims here since 1981. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Troy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes26%Cold waves13%Everything else10%

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

50% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

26% of expected damage

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

Cold waves

13% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

28paid claims since 1981

$154Kpaid to owners

4homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 1 claim, $977

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Oakland County.

Disasters that hit Troy

6 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 Oakland County only

2023

Severe Storms, Tornadoes, and Flooding

222 households applied for aid $309K aid approved

2021

Severe Storms, Flooding, and Tornadoes

30 households applied for aid $10K aid approved

2014

Severe Storms and Flooding

391 households applied for aid $511K aid approved $174K to the City of Troy for repairs

2004

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $7K aid approved

2000

Snow

$71K to the City of Troy for repairs

1999

Mi - Severe Weather 1/2 /99

$70K to the City of Troy for repairs

Oakland County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Sterling Heightsmostly inland floodingModerate

Royal Oakmostly inland floodingLow

Madison Heightsmostly inland floodingLow

Clawsonmostly inland floodingLow

Birminghammostly inland floodingLow

Troymostly inland floodingVery low

Bloomfieldmostly inland floodingVery low

Rochester Hillsmostly inland floodingVery low

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 22 census tracts, combined by population.

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.

FEMA’s expected losses across Troy total about $28.8M 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.