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C−Hazard risk
Natural hazards in Troy · FEMA

On FEMA’s figures, Troy faces more hazard damage per building than 78% of U.S. towns, 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 78% of U.S. towns. Most of that expected damage is river and rain flooding (86%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 86%Hurricanes 7%Ice storms 2%

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

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in New Hampshire · higher than 78% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
9
of 27 declared for Cheshire County
By hazard

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

86%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

7%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 9 years in the area
Smaller shares here
 Ice storms Tornadoes Earthquakes Strong wind Winter storms Lightning Hail Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Troy’s grade

River and rain flooding is 86% of the building damage FEMA expects in Troy, and Troy’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Ice storms add 2%, at a rate in the top 6% of U.S. census tracts.

Where Troy sits
Troy
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

All of Troy’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding86%Hurricanes7%Everything else6%

In dollars, FEMA expects about $747K a year in losses across Troy: $618K to buildings, the rest to people and crops.

Shared tract.All of Troy’s 2,130 residents (2020 census) live in one census tract, which it shares with Marlborough town (2,096 residents) and Troy CDP (1,108 residents) and Marlborough CDP (1,066 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Troy flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Troy. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

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: Cheshire County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

9 federal disasters brought FEMA money to Troy

Disasters that paid out in Troy itself (aid to households or repair grants to the Town of Troy), newest first, with that year’s flood claims.

  1. 2013Severe Winter Storm and Snowstorm$7K to the Town of Troy for repairs
  2. 2011Hurricane Irene$2K to the Town of Troy for repairs
  3. 2008Severe Winter Storm$21K to the Town of Troy for repairs
  4. 2005Record Snow$3K to the Town of Troy for repairs
  5. 2005Record Snow$2K to the Town of Troy for repairs
  6. 2005Record And/or Near Record Snow$3K to the Town of Troy for repairs
Show all 9
  1. 2003Snow$3K to the Town of Troy for repairs
  2. 2003Snow$2K to the Town of Troy for repairs
  3. 2001Snow$4K to the Town of Troy for repairs
Disasters declared, by decade
Paid out in TroyCheshire County only

Cheshire County has had 27 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Cheshire County, 2016–2016.

Were you here?

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 →
Next door

Troy and its neighbors

Troy is 5th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Marlborough: hazard risk C−Swanzey: hazard risk C−Fitzwilliam: hazard risk BRichmond: hazard risk BJaffrey: hazard risk B−MarlboroughSwanzeyFitzwilliamRichmondJaffreyTroy
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
FitzwilliamBless damage than 58%river and rain flooding2
RichmondBless damage than 58%river and rain flooding—
JaffreyB−more damage than 54%river and rain flooding—
MarlboroughC−more damage than 78%river and rain flooding—
TroyC−more damage than 78%river and rain flooding0
SwanzeyC−more damage than 83%river and rain flooding—

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.

Be ready

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.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

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 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (86%) and hurricanes (7%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

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 Cheshire County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.9% 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 Storm (2008): $21K to the Town of Troy for repairs.

Is Troy at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Troy’s rate for it is higher than 87% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Troy.

Town Square →
Start the conversation

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.