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 low for a U.S. community.

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

Expected damage

How exposed is Troy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Troy to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes18%Cold waves14%Hail8%Everything else8%

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

52% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 27 years in the area

Cold waves

14% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 5 times a year in the area

Hail

8% of expected damage

Well above average · higher than 88% 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: Walworth County.

Disasters that hit Troy

Federal disasters declared here

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

Brought FEMA money into TroyDeclared for Walworth County only

Walworth County has had 11 natural disasters declared since 1953, most often winter storms and severe storms.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Mukwonagomostly inland floodingLow

La Grangemostly inland floodingLow

East Troymostly inland floodingLow

Eaglemostly inland floodingLow

Troymostly inland floodingLow

Lafayettemostly inland floodingLow

East Troymostly inland floodingLow

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 covers 1 census tract, combined by population.

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.

FEMA’s expected losses across Troy total about $1.8M 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.