Natural hazards · Troutville

Troutville, VA natural hazards

Most of the natural-hazard damage FEMA expects in Troutville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Troutville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troutville to be higher than in 39% of U.S. communities, mostly from inland flooding.

Inland flooding81%Strong wind6%Cold waves5%Everything else9%

By hazard

What Troutville 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

Above average · higher than 68% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Troutville flood?

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

6paid claims since 1985

$14Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Fran: 1 claim, $272

of homes in flood zones
are insured

of all homes
are insured

No community discount. Troutville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Botetourt County.

Disasters that hit Troutville

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Troutville itself: aid to households, or repair grants to the Town of Troutville.

Brought FEMA money into TroutvilleDeclared for Botetourt County only

2012

Severe Storms and Straight-Line Winds

$3K to the Town of Troutville for repairs

2004

Severe Storms and Flooding From the Remanants of Hurricane Jeanne

1 household applied for aid $2K aid approved

Botetourt County has had 21 natural disasters declared since 1953, most often hurricanes and winter 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. Troutville 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 Troutville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Troutville. 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.