Natural hazards · Covelo

Covelo, CA natural hazards

Most of the natural-hazard damage FEMA expects in Covelo comes from inland flooding, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Covelo?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covelo to be higher than in 98% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding64%Earthquakes16%Wildfire14%Landslides5%

By hazard

What Covelo faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

64% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 88% of U.S. places

Wildfire

14% of expected damage

Well above average · higher than 98% of U.S. places

Landslides

5% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesStrong windLightningAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Covelo flood?

FEMA's records show no paid flood insurance claims in Covelo.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Covelo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mendocino County.

Disasters that hit Covelo

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Covelo itself: aid to households, or repair grants to Covelo.

Brought FEMA money into CoveloDeclared for Mendocino County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

10 households applied for aid $53K aid approved

2022

Severe Winter Storms, Flooding, Landslides, and Mudslides

2 households applied for aid

2020

Wildfires

17 households applied for aid

2017

Wildfires

3 households applied for aid

Mendocino County has had 26 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Covelo is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Covelo’s own flood-insurance community; household aid to the registrant’s city; repair grants to Covelo. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

Covelo, CA natural hazards

How exposed is Covelo?

What Covelo faces

Inland flooding

Earthquakes

Wildfire

Landslides

Lower here

Not a risk here

Does Covelo flood?

4 federal disasters brought FEMA money here

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

Severe Winter Storms, Flooding, Landslides, and Mudslides

Wildfires

Wildfires

How to read this page

Where to, neighbor?

Matches

Nearby