Natural hazards · Troy

Troy, MT natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from avalanches, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Troy?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 80% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches42%Inland flooding35%Wildfire15%Cold waves6%Everything else3%

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.

Avalanches

42% of expected damage

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

Recorded about once every 8 years in the area

Inland flooding

35% of expected damage

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

Recorded about once every 2 years in the area

Wildfire

15% of expected damage

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

Cold waves

6% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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: Lincoln County.

What’s been done with FEMA grants

3homes raised above flood level

Disasters that hit Troy

1 federal disaster 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

2025

Severe Winter Storm and Straight-Line Winds

$21K to the City of Troy for repairs

Lincoln County has had 10 natural disasters declared since 1953, most often severe storms and fires.

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.