Photo: User:Visviva · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Troy Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Troy Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #399 of 768 in Illinois. Most of that expected damage is river and rain flooding (86%), then tornadoes (11%). Flood insurance has paid 111 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Troy Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Troy Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Troy Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Troy Township, and Troy Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 11% (higher than 82% of U.S. census tracts).
C+ #399 of 768 in Illinois; higher expected damage per building than 56% of U.S. towns (21,298).
Troy Township’s residents live in 12 census tracts; FEMA’s figures are combined by where they live.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Troy Township has more expected damage per building than 52% of Illinois towns.
In dollars, FEMA expects about $27.3M a year in losses across Troy Township: $18.5M to buildings, the rest to people and crops.
Does Troy Township flood? Yes: 111 flood claims since 1978
Every paid claim on a federal flood insurance policy in Troy Township, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms6 claims · $129K
- Hurricane Ike4 claims · $46K
- Tropical Storm Erin1 claim · $7K
Troy Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Will County.4 federal disasters brought FEMA money to Troy Township
Disasters that paid out in Troy Township itself (aid to households or repair grants to Troy Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$63K to Troy Township for repairs6 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$12K to Troy Township for repairs
- 2008Severe Storms and Flooding$1K to Troy Township for repairs4 flood claims paid that year
- 1999Il-winter Storm 1/1/99$11K to Troy Township for repairs
Will County has had 16 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Troy Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Troy Township archive →Troy Township and its neighbors
Troy Township is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Plainfield Township | Bless damage than 55% | river and rain flooding | 136 |
| Troy Township | C+more damage than 56% | river and rain flooding | 111 |
| Seward Township | C+more damage than 58% | river and rain flooding | — |
| Channahon Township | C+more damage than 59% | river and rain flooding | 60 |
| Joliet | C+more damage than 59% | river and rain flooding | 630 |
| Joliet Township | Cmore damage than 66% | river and rain flooding | 635 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Troy Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Troy Township
Is Troy Township at risk for natural disasters?
On FEMA’s National Risk Index, Troy Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #399 of 768 in Illinois. Most of the expected damage is river and rain flooding (86%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Troy Township flood?
Flood insurance has paid 111 claims in Troy Township since 1978, $1.6M in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (6).
Is Troy Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Will County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Troy Township?
FEMA’s Community Rating System list shows no discount for Troy Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Troy Township?
By FEMA money that reached Troy Township, Severe Storms, Straight-line Winds, and Flooding (2013): $63K to Troy Township for repairs. By flood claims, Mid-spring storms: 6 paid, $129K.
Is Troy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Troy Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Troy Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Troy Township’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.