Troy, Ohio
Inside Troy's city limits, a shallow water table limits basements on 61% of mapped land. Shrink-swell clay limits houses without basements on 13%.
That water-table share is below Miami County's 81%. FEMA's flood data list 1 flood losses since 2016 in ZIP code 45373 overlapping the city. Of its 11,733 homes, 61% were built before 1980; the median dates from 1972.
Data as of October 13, 2026 · sources · in Miami County
expansive clay: shrink-swell limits slab homes
high water table: limits basements
flood losses since 2016 in 1 overlapping ZIP
of homes built before 1980
Basement waterproofing in Troy
Basement waterproofing in Troy: a shallow water table limits basements on 61% of Troy's mapped land, and the ZIP code overlapping Troy logged 1 FEMA flood losses since 2016.
About 8,500 of Troy's 11,733 homes are detached houses.
Soil under Troy city limits
| Expansive clay (limits slab homes) | 13.3% |
| High water table (limits basements) | 61.5% |
| Septic fields very limited | 96.2% |
| Clay swell (LEP, by area) | 4.5% |
| High-swell land (LEP 6%+) | 2.0% |
| Mapped soil | 8,430 acres |
What the numbers mean here
On 61% of Troy's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
USDA rates 96% of the land very limited for septic absorption fields.
Drought in Miami County
0% of Miami County is in drought (D1 or worse) on the October 13, 2026 map. County detail.
Flood losses by ZIP code
FEMA flood records since 2016 in the ZIP codes that overlap Troy. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 45373 | 100% | 1 | $127,223 |
Homes in Troy
| Housing units | 11,733 |
| Median year built | 1972 |
| Built before 1980 | 61% |
| Built 2000 or later | 22% |
| Owner-occupied | 66% |
| Median value, owner-occupied | $217,400 |
| Single-family detached | 72% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Casstown | 5 mi | 0% | 37% |
| Tipp City | 6 mi | 18% | 56% |
| Pleasant Hill | 6 mi | 29% | 37% |
| Ludlow Falls | 7 mi | 3% | 16% |
| Piqua | 7 mi | 14% | 72% |
| West Milton | 8 mi | 21% | 38% |
| Covington | 8 mi | 15% | 44% |
| Fletcher | 9 mi | 9% | 99% |
Sources: USDA SSURGO (August 5, 2026) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · Census ACS 2020-2024. Methods · Data status