Natural hazards · Troy

Troy, MO 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. Flood insurance has paid 15 claims here since 1982. 6 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 49% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding40%Heat waves17%Tornadoes12%Earthquakes11%Cold waves9%Strong wind5%Everything else6%

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 58% of U.S. places

Recorded about 2 times a year in the area

Heat waves

17% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 72% of U.S. places

Earthquakes

11% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

9% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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?

Every paid claim on a federal flood insurance policy in Troy, from FEMA’s records.

15paid claims since 1982

$234Kpaid to owners

5homes flooded more than once

19822026

Biggest named events

Late spring storms: 2 claims, $51K
Late July Flooding: 1 claim, $41K
Not a named storm: 1 claim, $6K

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: Lincoln County.

What’s been done with FEMA grants

1storm safe rooms built

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 Lincoln County only

2019

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $901 aid approved

2015

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

12 households applied for aid $33K aid approved $27K to the City of Troy for repairs

2008

Severe Storms, Flooding, and a Tornado

11 households applied for aid $79K aid approved $12K to the City of Troy for repairs

2008

Severe Storms and Flooding

4 households applied for aid $29K aid approved

2007

Severe Winter Storms

$114K to the City of Troy for repairs

2006

Severe Storms, Tornadoes and Flooding

1 household applied for aid $360 aid approved

Lincoln County has had 22 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 covers 1 census tract, 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 $3.1M 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.