Natural hazards · Covert

Covert, MI natural hazards

Most of the natural-hazard damage FEMA expects in Covert comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1985.

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

Expected damage

How exposed is Covert?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covert to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes14%Hail13%Strong wind10%Cold waves6%Everything else7%

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.

Inland flooding

50% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

14% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 71 years in the area

Hail

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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?

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

5paid claims since 1985

$50Kpaid to owners

1homes flooded more than once

19852026

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. Covert isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Van Buren County.

Disasters that hit Covert

Federal disasters declared here

None of the disasters declared for Van Buren County shows FEMA aid or repair money reaching Covert itself in FEMA’s records.

Brought FEMA money into CovertDeclared for Van Buren County only

Van Buren County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Covert

Covert and the towns around it

Very lowLowModerateHighVery high

Bangormostly inland floodingModerate

Covertmostly inland floodingModerate

South Havenmostly inland floodingLow

Colomamostly inland floodingLow

Hagarmostly inland floodingVery low

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 covers 1 census tract, combined by population.

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.

FEMA’s expected losses across Covert total about $662K a year, counting buildings, people and crops.

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.