Natural Disaster Risk in Troy
Indiana
Risk Summary for Troy
Troy scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Troy, Indiana
Located in the interior eastern United States in Spencer County, Troy is a small community of about 921. The humid continental climate that characterizes this part of Indiana — marked by cold winters and warm, humid summers with variable severe weather — directly influences the types and severity of natural hazards present, making Troy a community where hazard awareness has real practical value.
Troy's overall natural disaster risk is rated 5.4/10 (Moderate) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include ice storm and wind.
Relative to other U.S. communities, Troy's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.5/10 state average. The hazard distribution here is led by earthquake and ice storm, as measured by FEMA across Spencer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Troy residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for earthquake is recommended.
What this means for Troy: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for Troy
These city-level factors differentiate Troy from other communities in Spencer County and provide geographic context for its hazard exposure.
Population
921
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.8/10
Coordinates
38.0696° N, 86.7783° W
Spencer County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Troy
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Troy
Other cities in Indiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.