Troy, Texas
Inside Troy's city limits, shrink-swell clay limits houses without basements on 56% of mapped land, the 5th-highest of 11 cities in Bell County. A shallow water table limits basements on under 1%.
That clay share is close to Bell County's 55%. FEMA's flood data list 12 flood losses since 2016 in the 2 ZIP codes overlapping the city. Of its 1,001 homes, 30% were built before 1980; the median dates from 2001.
Data as of October 13, 2026 · sources · in Bell County
expansive clay: shrink-swell limits slab homes
high water table: limits basements
flood losses since 2016 in 2 overlapping ZIPs
of homes built before 1980
Foundation repair in Troy
Foundation repair in Troy: shrink-swell clay limits slab homes on 56% of Troy's mapped land, more than in 62% of Texas cities.
About 800 of Troy's 1,001 homes are detached houses.
| Who designs the repair | The ASCE Texas Section's repair guidelines say a Texas-licensed engineer should evaluate the foundation and design the repair (2022 guidelines) |
| Prices | Cost guide ranges compared |
Soil under Troy city limits
| Expansive clay (limits slab homes) | 55.7% |
| High water table (limits basements) | 0.1% |
| Septic fields very limited | 84.6% |
| Clay swell (LEP, by area) | 6.9% |
| High-swell land (LEP 6%+) | 25.8% |
| Mapped soil | 3,088 acres |
| Soil series | Share here | Series nationally: expansive clay |
|---|---|---|
| Austin | 32% | 93% |
| Houston Black | 28% | 91% |
| Stephen | 22% | n/a |
| Lott | 6% | n/a |
| Heiden | 4% | 80% |
| Eddy | 3% | 0% |
What the numbers mean here
Clay swell averages a linear extensibility of 6.9% by land area here, and 26% of the land reaches USDA's high class (6% or more). Clay like that swells when wet and shrinks when dry, under 56% of the mapped land.
Clay shrinks as it dries: 100% of Bell County is in drought on the latest map, and 56% of Troy's mapped land has shrink-swell clay.
USDA rates 85% of the land very limited for septic absorption fields.
Drought in Bell County
100% of Bell 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 |
|---|---|---|---|
| 76579 | 76% | 2 | $46,222 |
| 76501 | 24% | 10 | $137,710 |
Homes in Troy
| Housing units | 1,001 |
| Median year built | 2001 |
| Built before 1980 | 30% |
| Built 2000 or later | 51% |
| Owner-occupied | 65% |
| Median value, owner-occupied | $201,500 |
| Single-family detached | 77% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Temple | 8 mi | 51% | under 1% |
| Bruceville-Eddy | 8 mi | 38% | 0% |
| Moody | 9 mi | 81% | 0% |
| Morgan's Point Resort | 10 mi | 5% | 0% |
| Lorena | 14 mi | 52% | 0% |
| Belton | 14 mi | 46% | under 1% |
| Little River-Academy | 15 mi | 68% | 16% |
| Lott | 16 mi | 79% | 0% |
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