Natural hazards · Troy

Troy, ND natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from cold waves, and overall the risk is very low for a U.S. community.

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 0% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves34%Inland flooding27%Hail10%Winter weather8%Tornadoes7%Ice storms6%Everything else9%

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.

Cold waves

34% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 19 times a year in the area

Inland flooding

27% of expected damage

Well below average · higher than 1% of U.S. places

Recorded about once every 14 years in the area

Hail

10% of expected damage

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

Recorded about once a year in the area

Winter weather

8% of expected damage

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

Recorded about 16 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 7 years in the area

Ice storms

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 2 years in the area

Lower here

Heat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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.

Disasters that hit Troy

Federal disasters declared here

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

Brought FEMA money into TroyDeclared for Divide County only

Divide County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Troymostly cold wavesVery low

Blooming Prairiemostly cold wavesVery low

Twin Buttemostly cold wavesVery low

Plumermostly cold wavesVery low

Hawkeyemostly cold wavesVery low

Burgmostly cold wavesVery low

Ambrosemostly cold wavesVery 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 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.