Natural hazards · Covert

Covert, NY natural hazards

Most of the natural-hazard damage FEMA expects in Covert comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1993. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Covert?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covert to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding65%Hail8%Tornadoes7%Drought7%Everything else14%

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

65% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 2 years in the area

Hail

8% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 34% of U.S. places

Drought

7% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Covert flood?

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

7paid claims since 1993

$92Kpaid to owners

1homes flooded more than once

19932026

Homes that flooded again and again

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

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: Seneca County.

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 Town of Covert.

Brought FEMA money into CovertDeclared for Seneca County only

2018

Severe Storms and Flooding

$847K to the Town of Covert for repairs

Seneca County has had 8 natural disasters declared since 1953, most often floods and hurricanes.

Around Covert

Covert and the towns around it

Very lowLowModerateHighVery high

Ovidmostly inland floodingVery low

Lodimostly inland floodingVery low

Lansingmostly inland floodingVery low

Ulyssesmostly inland floodingVery low

Genoamostly inland floodingVery low

Covertmostly 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 Town 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 $452K 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.