Natural hazards · Covington

Covington, MI natural hazards

Most of the natural-hazard damage FEMA expects in Covington comes from cold waves, and overall the risk is low for a U.S. community.

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 26% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding32%Hail11%Strong wind6%Everything else5%

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.

Cold waves

47% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

32% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once every 2 years in the area

Hail

11% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

Not a risk here

HurricanesEarthquakesAvalanchesTsunamisVolcanic 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?

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

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: Baraga County.

Disasters that hit Covington

Federal disasters declared here

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

Brought FEMA money into CovingtonDeclared for Baraga County only

Baraga County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Covington

Covington and the towns around it

Very lowLowModerateHighVery high

Duncanmostly inland floodingModerate

Covingtonmostly cold wavesLow

Spurrmostly cold wavesLow

Baragamostly cold wavesLow

Hematitemostly cold wavesLow

L'Ansemostly cold wavesLow

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 Township 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.