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. Flood insurance has paid 1 claim here since 2023.

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 35% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes23%Strong wind11%Cold waves10%Hail7%Everything else5%

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

45% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

23% of expected damage

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

Recorded about once every 54 years in the area

Strong wind

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 9 times a year in the area

Hail

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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.

1paid claims since 2023

$8Kpaid to owners

0homes flooded more than once

20232026

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: St. Croix County.

Disasters that hit Troy

Federal disasters declared here

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

Brought FEMA money into TroyDeclared for St. Croix County only

St. Croix County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Troy

Troy and the towns around it

Very lowLowModerateHighVery high

Lakelandmostly inland floodingHigh

Aftonmostly inland floodingModerate

Kinnickinnicmostly inland floodingModerate

Cliftonmostly inland floodingLow

River Fallsmostly inland floodingLow

Hudsonmostly inland floodingLow

Troymostly inland floodingLow

Hudsonmostly 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 (here, the census tracts inside it); 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 $1.9M 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.