Natural hazards · Covert

Covert, KS natural hazards

Most of the natural-hazard damage FEMA expects in Covert comes from hail, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Covert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covert to be higher than in 69% of U.S. communities, mostly from hail and inland flooding.

Hail33%Inland flooding29%Drought12%Strong wind10%Tornadoes8%Everything else8%

By hazard

What Covert faces

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

Hail

33% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

29% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 38 times a year in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Covert flood?

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

Disasters that hit Covert

1 federal disaster brought FEMA money here

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

Brought FEMA money into CovertDeclared for Osborne County only

2011

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$4K to the Township of Covert for repairs

Osborne County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Covert

Covert and the towns around it

Very lowLowModerateHighVery high

Covertmostly hailHigh

Valleymostly hailHigh

Victormostly hailHigh

Independencemostly hailHigh

Winfieldmostly hailHigh

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. Covert 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 Covert’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Covert. 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.