Natural hazards · Covedale

Covedale, OH natural hazards

Most of the natural-hazard damage FEMA expects in Covedale comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1979.

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

Expected damage

How exposed is Covedale?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covedale to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes28%Heat waves12%Cold waves8%Earthquakes6%Everything else5%

By hazard

What Covedale faces

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

Inland flooding

41% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

28% of expected damage

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

Heat waves

12% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Covedale flood?

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

2paid claims since 1979

$25Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Covedale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Hamilton County.

Disasters that hit Covedale

Federal disasters declared here

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

Brought FEMA money into CovedaleDeclared for Hamilton County only

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

Around Covedale

Covedale and the towns around it

Very lowLowModerateHighVery high

Greenmostly inland floodingLow

Cincinnatimostly inland floodingLow

Covedalemostly inland floodingLow

Mackmostly inland floodingLow

Bridgetownmostly inland floodingVery low

Delhimostly 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. Covedale covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Covedale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Covedale. 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 Covedale total about $2.3M 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.