TownTapestry
Sign inJoin
TroyGood night
Natural hazards · Troy

Troy, NH natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Troy?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding74%Hurricanes6%Everything else20%
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

74% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Hurricanes

6% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 9 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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?

FEMA's records show no paid flood insurance claims in Troy.

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: Cheshire County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Troy

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Troy itself: aid to households, or repair grants to the Town of Troy.

Brought FEMA money into TroyDeclared for Cheshire County only
2013

Severe Winter Storm and Snowstorm

$7K to the Town of Troy for repairs
2011

Hurricane Irene

$2K to the Town of Troy for repairs
2008

Severe Winter Storm

$21K to the Town of Troy for repairs
2005

Severe Storms and Flooding

1 household applied for aid
2005

Record Snow

$5K to the Town of Troy for repairs
2005

Record And/Or Near Record Snow

$3K to the Town of Troy for repairs
2003

Snow

$5K to the Town of Troy for repairs
2001

Snow

$4K to the Town of Troy for repairs
Cheshire County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Troy

Troy and the towns around it

Marlborough: High, mostly inland floodingSwanzey: High, mostly inland floodingFitzwilliam: Moderate, mostly inland floodingRichmond: Moderate, mostly inland floodingJaffrey: Moderate, mostly inland floodingRoxbury: High, mostly inland floodingDublin: Low, mostly inland floodingHarrisville: Low, mostly inland floodingKeene: High, mostly inland floodingWinchester: Very high, mostly inland floodingChesterfield: Moderate, mostly inland floodingRindge: Low, mostly inland floodingTroy: High, mostly inland flooding TroyMarlboroughSwanzeyFitzwilliamRichmondJaffrey
Very lowLowModerateHighVery high
Swanzeymostly inland floodingHigh
Troymostly inland floodingHigh
Marlboroughmostly inland floodingHigh
Jaffreymostly inland floodingModerate
Fitzwilliammostly inland floodingModerate
Richmondmostly inland floodingModerate
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 Town 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.

We left the porch light on

Where to, neighbor?

You’re in Troy, NHCheshire CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Troy is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map