Troy, New York: natural disaster risk
How exposed Troy is to floods, storms and other hazards, from FEMA and NOAA records for Rensselaer County.
Troy is a city of 51,033 people in Rensselaer County, New York. FEMA's National Risk Index rates Rensselaer County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and hail, with about $49 million in expected losses a year across the county. The weather service has logged 836 storm reports in the county since 1959, including 10 tornadoes and 119 floods. NOAA hurricane records show 3 hurricanes and 7 tropical storms passing within 65 miles of the county's center. About 1.1% of homes in the county carry federal flood insurance.
Risk figures are for Rensselaer County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Troy
Full Rensselaer County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $37M | |
| Tornado | $3M | |
| Hail | $2M | |
| Hurricane | $2M | |
| Strong wind | $1M | |
| Cold wave | $1M | |
| Lightning | $756K | |
| Earthquake | $568K | |
| Heat wave | $549K | |
| Ice storm | $240K | |
| Winter weather | $114K | |
| Wildfire | $14K |
Homes in Troy
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Rensselaer County
Other cities in New York
All ›Common questions about Troy
Is Troy safe from natural disasters?
Troy is in Rensselaer County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, hail. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Troy?
By expected yearly losses in Rensselaer County, the top hazards are inland flooding (Moderate), tornado (Moderate), hail (Moderate). Rensselaer County has been part of 24 federal disaster or emergency declarations for natural events.
Does Troy get tornadoes?
Yes. NOAA records list 10 tornadoes in Rensselaer County since 1950; the strongest was an F2 tornado on May 31, 1998 near Reynolds. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Troy?
Standard home insurance does not cover floods. In Rensselaer County, about 1.1% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.