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North Troy VT 11-01-25bPhoto: Ascended Dreamer · CC BY 4.0
–Not graded
Natural hazards in North Troy · FEMA

Storms, floods and disasters in North Troy

North Troy isn’t graded for hazard risk: North Troy has 506 residents; we grade towns of 1,000 or more. Flood insurance has paid 7 claims here since 1989.

Flood claims
7
paid since 1989 · $92K
Flooded more than once
2
properties
Disasters paid out here
3
of 29 declared for Orleans County
By hazard

What North 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

88%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Earthquakes Winter storms top 5% Ice storms Strong wind Lightning Tornadoes Wildfire Landslides Hail Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 8% of North Troy’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does North Troy flood? Rarely: 7 flood claims since 1989

Every paid claim on a federal flood insurance policy in North Troy, from FEMA’s records.

Paid flood claims, by year
1989: 1 claim1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 2 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 3 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198919982002
19892026
Biggest named events
  • Hurricane Irene1 claim · $6K
7
paid claims since 1989
$92K
paid to owners
2
homes flooded more than once
$13K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

North 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: Orleans County.
What’s been done with FEMA grants
2flood-prone properties bought out and cleared
Disasters

3 federal disasters brought FEMA money to North Troy

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

  1. 2024Severe Storms, Flooding, Landslides, and Mudslides1 households applied for aid$4K aid approved
  2. 2023Severe Storms, Flooding, Landslides, and Mudslides10 households applied for aid$7K aid approved
  3. 2011Tropical Storm Irene3 households applied for aid$2K aid approved1 flood claim paid for it, $6K
Disasters declared, by decade
Paid out in North TroyOrleans County only

Orleans County has had 29 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

Old photos of North Troy after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the North Troy archive →
Be ready

Get ready for what North 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 ↗
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 North Troy

Does North Troy flood?

Flood insurance has paid 7 claims in North Troy since 1989, $92K in all. 2 properties have flooded more than once. The most claims came from Hurricane Irene (1).

Is North 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 Orleans County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in North Troy?

FEMA’s Community Rating System list shows no discount for North 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 North Troy?

By FEMA money that reached North Troy, Severe Storms, Flooding, Landslides, and Mudslides (2023): 10 households applied for aid, $7K approved. By flood claims, Hurricane Irene: 1 paid, $6K.

Storm stories

Memories, warnings and help from neighbors in North Troy.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North 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.