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Natural hazards · Troy

Troy, NY 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. Flood insurance has paid 129 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Troy?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%
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

81% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce 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?

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

129paid claims since 1979
$2.3Mpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 75 claims, $1.8M
  • Not a named storm: 1 claim, $2K
  • Late summer storms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Rensselaer County.
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 City of Troy.

Brought FEMA money into TroyDeclared for Rensselaer County only
2017

Severe Winter Storm and Snowstorm

$126K to the City of Troy for repairs
2011

Hurricane Irene

295 households applied for aid $577K aid approved $4.5M to the City of Troy for repairs
2010

Severe Winter Storm and Snowstorm

$44K to the City of Troy for repairs
2008

Severe Winter Storm

$395K to the City of Troy for repairs
2006

Severe Storms and Flooding

$41K to the City of Troy for repairs
2005

Severe Storms and Flooding

2 households applied for aid $13K to the City of Troy for repairs
2003

Severe Storms, Flooding, and Tornadoes

2 households applied for aid $585 aid approved
2002

Snowstorms

$76K to the City of Troy for repairs
Rensselaer County has had 23 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Troy

Troy and the towns around it

Brunswick: Low, mostly inland floodingSchaghticoke: Moderate, mostly inland floodingNorth Greenbush: Low, mostly inland floodingWatervliet: Low, mostly inland floodingGreen Island: High, mostly inland floodingGreen Island: High, mostly inland floodingWaterford: Very high, mostly inland floodingWaterford: High, mostly inland floodingColonie: Very low, mostly inland floodingCohoes: Moderate, mostly inland floodingPoestenkill: Moderate, mostly inland floodingGrafton: Very low, mostly inland floodingPittstown: Moderate, mostly inland floodingHalfmoon: Very low, mostly inland floodingStillwater: Moderate, mostly inland floodingStillwater: Very high, mostly inland floodingMechanicville: Very high, mostly inland floodingEaston: Low, mostly inland floodingCambridge: Low, mostly inland floodingRensselaer: Moderate, mostly inland floodingEast Greenbush: Low, mostly inland floodingMenands: Very low, mostly inland floodingSand Lake: Low, mostly inland floodingAlbany: Low, mostly inland floodingGuilderland: Very low, mostly inland floodingClifton Park: Very low, mostly inland floodingNiskayuna: Very low, mostly inland floodingTroy: High, mostly inland flooding TroyBrunswickSchaghticokeNorth GreenbushWatervlietGreen IslandGreen IslandWaterfordWaterfordColonieCohoes
Very lowLowModerateHighVery high
Waterfordmostly inland floodingVery high
Troymostly inland floodingHigh
Green Islandmostly inland floodingHigh
Green Islandmostly inland floodingHigh
Waterfordmostly inland floodingHigh
Cohoesmostly inland floodingModerate
Schaghticokemostly inland floodingModerate
Watervlietmostly inland floodingLow
North Greenbushmostly inland floodingLow
Brunswickmostly inland floodingLow
Coloniemostly inland floodingVery 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 covers 16 census tracts, 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 $18.7M 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.

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