Natural hazards · Covington

Covington, OK natural hazards

Most of the natural-hazard damage FEMA expects in Covington comes from cold waves, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Covington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covington to be higher than in 61% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves31%Inland flooding22%Tornadoes17%Drought13%Hail5%Everything else12%

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

31% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

22% of expected damage

Above average · higher than 52% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Drought

13% of expected damage

Recorded about 70 times a year in the area

Hail

5% of expected damage

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

Recorded about 10 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Covington flood?

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

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: Garfield County.

Disasters that hit Covington

2 federal disasters brought FEMA money here

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

Brought FEMA money into CovingtonDeclared for Garfield County only

2019

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

1 household applied for aid

2002

Severe Winter Ice Storm

$3K to the Town of Covington for repairs

Garfield County has had 21 natural disasters declared since 1953, most often severe storms and ice 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 Town 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.