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Natural hazards · Troy

Troy, TN natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from earthquakes, and overall the risk is very high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Troy?

83
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 83% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes54%Cold waves15%Inland flooding9%Tornadoes6%Everything else15%
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.

Earthquakes

54% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

15% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 3 times a year in the area

Inland flooding

9% of expected damage
Well below average · higher than 20% of U.S. places
Recorded about once a year in the area

Tornadoes

6% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 15 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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?

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: Obion County.

What’s been done with FEMA grants

1storm safe rooms built
Disasters that hit Troy

7 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 Obion County only
2025

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

5 households applied for aid $13K aid approved
2021

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid $5K aid approved
2011

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

3 households applied for aid $563 aid approved
2010

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

1 household applied for aid
2009

Severe Winter Storm and Flooding

$22K to the Town of Troy for repairs
2003

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $6K aid approved
2000

Severe Storms, Tornadoes, and Flooding

$17K to the Town of Troy for repairs
Obion County has had 17 natural disasters declared since 1953, most often severe storms and floods.
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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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