Natural hazards · Troy

Troy, OH 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 26 claims here since 1980. 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 58% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes10%Everything else17%

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

73% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 77% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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.

26paid claims since 1980

$353Kpaid to owners

4homes flooded more than once

19802026

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: Miami County.

What’s been done with FEMA grants

2storm 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 Miami County only

2019

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

3 households applied for aid

2012

Severe Storms and Straight-Line Winds

$50K to the City of Troy for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$176K to the City of Troy for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

9 households applied for aid $18K aid approved

2004

Snow

$47K to the City of Troy for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$20K to the City of Troy for repairs

Miami County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Troymostly inland floodingModerate

Stauntonmostly inland floodingModerate

Concordmostly inland floodingLow

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 $1.3M 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.