Natural hazards · Troy

Troy, MN 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.

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 48% of U.S. communities, mostly from inland flooding and hail.

Inland flooding40%Hail16%Drought13%Cold waves11%Tornadoes10%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

40% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Hail

16% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 5 times a year in the area

Drought

13% of expected damage

Recorded about 12 times a year in the area

Cold waves

11% of expected damage

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

Recorded about 12 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 6 years 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: Pipestone County.

Disasters that hit Troy

Federal disasters declared here

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

Brought FEMA money into TroyDeclared for Pipestone County only

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

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Sweetmostly inland floodingModerate

Troymostly inland floodingModerate

Grangemostly inland floodingModerate

Altonamostly inland floodingModerate

Unionmostly 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 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.