Natural hazards · Troy

Troy, TX natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2001. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Troy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes25%Hail10%Cold waves8%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

40% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 15 years in the area

Hail

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Cold waves

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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.

3paid claims since 2001

$40Kpaid to owners

1homes flooded more than once

20012026

Biggest named events

Early summer storms: 1 claim, $34K

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: Bell County.

Disasters that hit Troy

3 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 Bell County only

2024

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

39 households applied for aid $67K aid approved

2021

Severe Winter Storms

81 households applied for aid $33K aid approved

2007

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $914 aid approved

Bell County has had 18 natural disasters declared since 1953, most often fires 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 City 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.