Photo: Nyttend · Public domainLess hazard damage per building is expected in Troy Township than in 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Troy Township gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #170 of 993 in Ohio. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 3 claims here since 1987.
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 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
Hail
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 74% of the building damage FEMA expects in Troy Township, and Troy Township’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Ice storms add 4%, at a rate in the top 9% of U.S. census tracts.
A #170 of 993 in Ohio; lower expected damage per building than 93% of U.S. towns (21,298).
All of Troy Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Troy Township has less expected damage per building than 83% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Troy Township: $891K to buildings, the rest to people and crops.
Does Troy Township flood? Rarely: 3 flood claims since 1987
Every paid claim on a federal flood insurance policy in Troy Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $1K
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: Richland County.The storms Troy Township remembers
None of the 15 disasters declared for Richland County shows FEMA aid or repair money reaching Troy Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19872 flood claims paidThe year of Severe Storms and Flooding, declared for Richland County
- 20111 flood claims paidNo declaration for the county that year
Richland County has had 15 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.
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 4th of the 7 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 |
|---|---|---|---|
| Springfield Township | A+less damage than 98% | river and rain flooding | 2 |
| Mansfield | A+less damage than 96% | river and rain flooding | 56 |
| Lexington | Aless damage than 93% | river and rain flooding | 2 |
| Troy Township | Aless damage than 93% | river and rain flooding | 3 |
| Washington Township | Aless damage than 90% | river and rain flooding | 2 |
| Troy Township | A−less damage than 81% | river and rain flooding | — |
| Perry Township | B−more damage than 53% | 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.
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.
- 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.
- 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 lower expected damage per building than 93% of U.S. towns: A for hazard risk, #170 of 993 in Ohio. Most of the expected damage is river and rain flooding (74%) and hail (9%). 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.
Does Troy Township flood?
Flood insurance has paid 3 claims in Troy Township since 1987, $72K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
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 Richland County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.2% 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 flood claims, Late winter storms: 1 paid, $1K.
Is Troy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Troy Township’s rate for it is lower than 81% 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.