Natural hazards · Troy

Troy, WI natural hazards

Most of the natural-hazard damage FEMA expects in Troy comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Troy?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves14%Tornadoes10%Hail8%Everything else6%

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

61% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 16 years in the area

Hail

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year 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?

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: Sauk County.

Disasters that hit Troy

Federal disasters declared here

None of the disasters declared for Sauk County shows FEMA aid or repair money reaching Troy itself in FEMA’s records.

Brought FEMA money into TroyDeclared for Sauk County only

Sauk County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Arenamostly inland floodingHigh

Franklinmostly inland floodingHigh

Prairie du Sacmostly inland floodingHigh

Honey Creekmostly inland floodingModerate

Troymostly inland floodingModerate

Spring Greenmostly inland floodingModerate

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.