Natural hazards · Covington

Covington, OH natural hazards

Most of the natural-hazard damage FEMA expects in Covington comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1995. 6 federal disasters brought FEMA money into town.

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 27% of U.S. communities, mostly from inland flooding.

Inland flooding59%Tornadoes14%Earthquakes9%Cold waves5%Strong wind5%Everything else8%

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.

Inland flooding

59% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 75% of U.S. places

Earthquakes

9% of expected damage

Above average · higher than 70% of U.S. places

Cold waves

5% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 5 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Covington flood?

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

5paid claims since 1995

$146Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

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: Miami County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Covington

6 federal disasters brought FEMA money here

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

Brought FEMA money into CovingtonDeclared for Miami County only

2024

Tornadoes

14 households applied for aid $33K aid approved

2012

Severe Storms and Straight-Line Winds

$2K to the Village of Covington for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$23K to the Village of Covington for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

1 household applied for aid $1K aid approved

2004

Snow

$18K to the Village of Covington for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$2K to the Village of Covington for repairs

Miami County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

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 Village 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.