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Natural hazards · Covington

Covington, TN natural hazards

Most of the natural-hazard damage FEMA expects in Covington comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1991. 13 federal disasters brought FEMA money into town.

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

How exposed is Covington?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Covington to be higher than in 73% of U.S. communities, mostly from earthquakes.

Earthquakes60%Tornadoes14%Inland flooding11%Cold waves7%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.

Earthquakes

60% of expected damage
Well above average · higher than 93% of U.S. places

Tornadoes

14% of expected damage
Well above average · higher than 81% of U.S. places

Inland flooding

11% of expected damage
Well below average · higher than 12% of U.S. places
Recorded about 2 times a year in the area

Cold waves

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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?

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

13paid claims since 1991
$394Kpaid to owners
1homes flooded more than once
19912026

Biggest named events

  • Late spring storms: 3 claims, $179K
  • Heavy rains: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Tipton County.

What’s been done with FEMA grants

2storm safe rooms built
Disasters that hit Covington

13 federal disasters brought FEMA money here

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

Brought FEMA money into CovingtonDeclared for Tipton County only
2026

Severe Winter Storm

$104K to the City of Covington for repairs
2025

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

$529K to the City of Covington for repairs
2023

Severe Storms, Straight-Line Winds, and Tornadoes

562 households applied for aid $919K aid approved $671K to the City of Covington for repairs
2023

Severe Storms, Straight-Line Winds, and Tornado

$4K to the City of Covington for repairs
2022

Severe Winter Storm

$76K to the City of Covington for repairs
2014

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

$73K to the City of Covington for repairs
2014

Severe Winter Storm

$40K to the City of Covington for repairs
2011

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

14 households applied for aid $16K aid approved $10K to the City of Covington for repairs
2010

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

519 households applied for aid $579K aid approved $148K to the City of Covington for repairs
2008

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

5 households applied for aid $12K aid approved
2005

Hurricane Katrina Evacuation

$24K to the City of Covington for repairs
2003

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $710 aid approved $7K to the City of Covington for repairs
2002

Severe Storms and Tornados

105 households applied for aid $342K aid approved $41K to the City of Covington for repairs
Tipton County has had 20 natural disasters declared since 1953, most often severe storms and floods.
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 covers 1 census tract, combined by population.
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 City of 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 Covington total about $4.2M 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.

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