Troy, Ohio: natural disaster risk
How exposed Troy is to floods, storms and other hazards, from FEMA and NOAA records for Miami County.
Troy is a city of 26,842 people in Miami County, Ohio. FEMA's National Risk Index rates Miami County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and earthquake, with about $29 million in expected losses a year across the county. The weather service has logged 414 storm reports in the county since 1955, including 35 tornadoes and 50 floods. About 0.7% of homes in the county carry federal flood insurance.
Risk figures are for Miami 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 Miami 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 whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $17M | |
| Tornado | $4M | |
| Earthquake | $2M | |
| Cold wave | $2M | |
| Strong wind | $1M | |
| Lightning | $710K | |
| Hail | $684K | |
| Ice storm | $456K | |
| Heat wave | $323K | |
| Winter weather | $144K | |
| Drought | $42K | |
| Hurricane | $24K |
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 Miami County
Common questions about Troy
Is Troy safe from natural disasters?
Troy is in Miami County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, earthquake. 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 Miami County, the top hazards are inland flooding (Low), tornado (Moderate), earthquake (Low). Miami County has been part of 13 federal disaster or emergency declarations for natural events.
Does Troy get tornadoes?
Yes. NOAA records list 35 tornadoes in Miami County since 1950; the strongest was an EF3 tornado on May 27, 2019 near Potsdam. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Troy?
Standard home insurance does not cover floods. In Miami County, about 0.7% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.