Natural hazards · Troy

Troy, SC natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from cold waves, and overall the risk is low 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?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 34% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding30%Tornadoes16%Everything else16%

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

38% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

30% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 17 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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: Greenwood County.

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 Town of Troy.

Brought FEMA money into TroyDeclared for Greenwood County only

2024

Hurricane Helene

216 households applied for aid $182K aid approved

Greenwood County has had 14 natural disasters declared since 1953, most often hurricanes and severe storms.

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.