Natural Disasters in Troy, IN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

35.0

Very Low

Expected Annual Loss

40.5

Score (0-100)

Social Vulnerability

35.6

Score (0-100)

Community Resilience

67.9

Score (0-100)

Top Hazard Risks

Strong Wind66.1Earthquake64.8Tornado64.5

Hazard	Risk Score
Strong Wind	66.1
Earthquake	64.8
Tornado	64.5
Ice Storm	61.8
Landslide	55.7
Heat Wave	47.5
Hail	47.1
Winter Weather	41.2
Drought	40.8
Cold Wave	25.0
Lightning	22.1
Hurricane	17.1
Wildfire	5.9

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

10 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Jul 22, 2025	Flood	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Apr 3, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
May 4, 2018	Flood	SEVERE STORMS AND FLOODING
Jun 23, 2011	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND
Mar 5, 2009	Severe Storm	SEVERE WINTER STORM
Sep 23, 2008	Severe Storm	SEVERE STORMS AND FLOODING
Sep 10, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Jan 21, 2005	Severe Storm	SEVERE WINTER STORMS AND FLOODING
Jan 11, 2005	Snowstorm	SNOW
Sep 1, 2004	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Jun 3, 2004	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Jun 13, 2002	Severe Storm	SEVERE STORMS, TORNADOES AND FLOODING
Mar 6, 1997	Severe Storm	SEVERE STORMS AND FLOODING
Jul 3, 1996	Severe Storm	SEVERE STORMS AND FLOODING
Apr 2, 1996	Flood	BLIZZARD OF 96
Jan 5, 1991	Flood	SEVERE STORMS & FLOODING
Jun 4, 1990	Severe Storm	SEVERE STORMS, TORNADOES & FLOODING
Jul 31, 1979	Flood	SEVERE STORMS & FLOODING

Showing 20 of 22 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

253

Total IA Distributed

$216,498

Repair/Replace

$55,589

Rental Assistance

$3,530

Disaster	Registrations	Total IA $	Avg Damage
DR-1976	1	N/A	—
DR-4515	25	$132,588	—
DR-1795	201	$49,334	$598
DR-1520	22	$12,825	$1,061
DR-4864	1	$12,751	$1,611
DR-4497	3	$9,000	—

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$298,445

Avg Claim Payout

$7,106

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$3,359,009

Disasters with PA

Total Projects

148

Disaster	Type	Projects	Federal $
DR-1828	Severe Storm(s)	13	$793,263
DR-1795	Severe Storm(s)	22	$520,074
DR-4882	Severe Storm(s)	24	$443,402
DR-4363	Flood	26	$355,212
DR-1997	Severe Storm(s)	20	$323,121
DR-1520	Severe Storm(s)	9	$262,641
DR-1542	Severe Storm(s)	10	$258,238
DR-1573	Severe Storm(s)	10	$245,628
DR-4515	Biological	1	$74,604
DR-3197	Snow	6	$46,894
DR-1418	Severe Storm(s)	6	$33,052
DR-1433	Severe Storm(s)	1	$2,880

Troy has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, earthquake, tornado. The area has had 22 federal disaster declarations. The most common disaster type is severe storm (10 declarations). 42 flood insurance claims have been filed in the area. FEMA has obligated $3,359,009 in public assistance recovery funding. $216,498 has been distributed in individual assistance to disaster-affected residents.