Troy, VT natural hazards
Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 2002. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Troy?
FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 20% of U.S. communities, mostly from inland flooding.
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
Cold waves
Lower here
Not a risk here
Does Troy flood?
Every paid claim on a federal flood insurance policy in Troy, from FEMA’s records.
Biggest named events
- Hurricane Irene: 2 claims, $28K
- Vermont/New York Flooding: 1 claim, $10K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
What’s been done with FEMA grants
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.
Severe Storms, Flooding, Landslides, and Mudslides
Severe Storm and Flooding
Severe Storms and Flooding
Tropical Storm Irene
Severe Storms and Flooding
Severe Storms and Flooding
Snow
Troy and the towns around it
How to read this page
FEMA’s expected losses across Troy total about $1.7M 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.