Natural hazards · Fort Covington

Fort Covington, NY natural hazards

Most of the natural-hazard damage FEMA expects in Fort Covington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2018. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fort Covington?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fort Covington to be higher than in 45% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding69%Earthquakes15%Everything else16%

By hazard

What Fort Covington faces

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

Inland flooding

69% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Earthquakes

15% of expected damage

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

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Fort Covington flood?

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

1paid claims since 2018

$4Kpaid to owners

0homes flooded more than once

20182026

of all homes
are insured

No community discount. Fort 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: Franklin County.

Disasters that hit Fort Covington

4 federal disasters brought FEMA money here

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

Brought FEMA money into Fort CovingtonDeclared for Franklin County only

2024

Remnants of Tropical Storm Debby

$150K to the Town of Fort Covington for repairs

2017

Severe Winter Storm and Snowstorm

$4K to the Town of Fort Covington for repairs

2013

Severe Storms and Flooding

$9K to the Town of Fort Covington for repairs

2011

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

$11K to the Town of Fort Covington for repairs

Franklin County has had 15 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Fort Covington

Fort Covington and the towns around it

Very lowLowModerateHighVery high

Fort Covingtonmostly inland floodingModerate

Westvillemostly inland floodingModerate

Bombaymostly inland floodingModerate

Bangormostly inland floodingLow

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. Fort Covington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fort Covington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fort Covington. 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 Fort Covington total about $1.4M 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.