Natural hazards · Covington

Covington, IN natural hazards

Most of the natural-hazard damage FEMA expects in Covington comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2003. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Covington?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covington to be higher than in 36% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves27%Tornadoes9%Strong wind9%Lightning6%Everything else13%

By hazard

What Covington faces

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

Inland flooding

37% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 23 years in the area

Strong wind

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lightning

6% of expected damage

Above average · higher than 51% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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 Covington flood?

Every paid claim on a federal flood insurance policy in Covington, from FEMA’s records.

3paid claims since 2003

$16Kpaid to owners

1homes flooded more than once

20032026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fountain County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Covington

6 federal disasters brought FEMA money here

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

Brought FEMA money into CovingtonDeclared for Fountain County only

2008

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved $18K to the City of Covington for repairs

2007

Snow

$4K to the City of Covington for repairs

2005

Severe Winter Storms and Flooding

5 households applied for aid $13K aid approved

2004

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $12K aid approved

2003

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $45K aid approved $6K to the City of Covington for repairs

1999

In-Winter Storm 12/23/98

$3K to the City of Covington for repairs

Fountain County has had 10 natural disasters declared since 1953, most often severe storms and winter 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. Covington 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 Covington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Covington. 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.

Covington, IN natural hazards

How exposed is Covington?

What Covington faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lightning

Lower here

Not a risk here

Does Covington flood?

Homes that flooded again and again

What’s been done with FEMA grants

6 federal disasters brought FEMA money here

Severe Storms, Flooding, and Tornadoes

Snow

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

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