Troy Public High School · Photo: Smallbones · CC0On FEMA’s figures, Troy faces more hazard damage per building than 82% 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 82% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 5 claims here since 1994.
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
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 96% of the building damage FEMA expects in Troy, and Troy’s rate of river and rain flooding damage is in the top 8% of U.S. census tracts.
C− higher expected damage per building than 82% of U.S. towns (21,298).
All of Troy’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $873K a year in losses across Troy: $802K to buildings, the rest to people and crops.
Does Troy flood? Rarely: 5 flood claims since 1994
Every paid claim on a federal flood insurance policy in Troy, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee2 claims · $10K
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: Bradford County.2 federal disasters brought FEMA money to Troy
Disasters that paid out in Troy itself (aid to households or repair grants to the Borough of Troy), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee56 households applied for aid$215K aid approved2 flood claims paid for it, $10K
- 2004Tropical Depression Ivan12 households applied for aid$27K aid approved
Bradford County has had 17 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.
- 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 82% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 flood?
Flood insurance has paid 5 claims in Troy since 1994, $23K in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (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 Bradford County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.6% 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, Tropical Storm Lee (2011): 56 households applied for aid, $215K approved. By flood claims, Tropical Storm Lee: 2 paid, $10K.
Is Troy at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Troy’s rate for it is in the top 8% 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.