Natural Disaster Risk in Troy
Maine
Risk Summary for Troy
Troy scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Troy, Maine
Troy, in Waldo County, is a small community of about 984 situated along the northeastern Atlantic Seaboard. Its humid continental climate brings long, harsh winters and brief summers with heavy snowfall, and in particular powerful nor'easter blizzards. These conditions collectively define the natural hazard environment that Troy residents and property owners must navigate.
According to FEMA's National Risk Index, Troy carries an overall risk score of 6.0/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to coastal flood and ice storm.
Within Maine, Troy's risk is, near the 6.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Waldo County identifies winter as the foremost hazard, followed by coastal flood and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Troy's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Troy: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Troy
These city-level factors differentiate Troy from other communities in Waldo County and provide geographic context for its hazard exposure.
Population
984
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Cool Continental
Latitude 44.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 2.8/10
Coordinates
44.6791Β° N, 69.2536Β° W
Waldo 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 Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Troy
Other cities in Maine
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.