Photo: TCP04 · CC BY 4.0FEMA expects about as much hazard damage per building in Troy as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Troy gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #129 of 247 in Missouri. Most of that expected damage is river and rain flooding (75%). Flood insurance has paid 15 claims here since 1982.
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 Troy 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
Earthquakes
Tornadoes
Hail
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’s grade
River and rain flooding is 75% of the building damage FEMA expects in Troy, and Troy’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is earthquakes at 10% (higher than 77% of U.S. census tracts).
C+ #129 of 247 in Missouri; higher expected damage per building than 60% of U.S. towns (21,298).
Troy’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Missouri town has higher expected damage than 59% of U.S. towns; within the state, Troy has more expected damage per building than 52% of Missouri towns.
In dollars, FEMA expects about $6.1M a year in losses across Troy: $3.5M to buildings, the rest to people and crops.
Does Troy flood? Sometimes: 15 flood claims since 1982
Every paid claim on a federal flood insurance policy in Troy, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The Late spring storms2 claims · $51K
- The Late July Flooding1 claim · $41K
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: Lincoln County.7 federal disasters brought FEMA money to Troy
Disasters that paid out in Troy itself (aid to households or repair grants to the City of Troy), newest first, with that year’s flood claims.
- 2019Severe Storms, Tornadoes, and Flooding2 households applied for aid$901 aid approved1 flood claim paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding12 households applied for aid$33K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$27K to the City of Troy for repairs
- 2008Severe Storms, Flooding, and a Tornado11 households applied for aid$79K aid approved$12K to the City of Troy for repairs
- 2008Severe Storms and Flooding4 households applied for aid$29K aid approved
- 2007Severe Winter Storms$114K to the City of Troy for repairs
Show all 7
- 2006Severe Storms, Tornadoes and Flooding1 households applied for aid$360 aid approved
Lincoln County has had 24 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 after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Troy archive →Get ready for what Troy 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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
Is Troy at risk for natural disasters?
On FEMA’s National Risk Index, Troy has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #129 of 247 in Missouri. Most of the expected damage is river and rain flooding (75%) and earthquakes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Troy flood?
Flood insurance has paid 15 claims in Troy since 1982, $234K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Late spring storms (2).
Is Troy 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 Lincoln County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Troy?
FEMA’s Community Rating System list shows no discount for Troy’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?
By FEMA money that reached Troy, Severe Winter Storms (2007): $114K to the City of Troy for repairs. By flood claims, Late spring storms: 2 paid, $51K.
Is Troy at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Troy’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Troy.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Troy’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.