Natural hazards · Cove

Cove, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cove comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cove?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cove to be higher than in 60% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes29%Tornadoes19%Everything else16%

By hazard

What Cove faces

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

Inland flooding

36% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Hurricanes

29% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 17 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Cove flood?

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

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Cove is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Chambers County.

Disasters that hit Cove

6 federal disasters brought FEMA money here

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

Brought FEMA money into CoveDeclared for Chambers County only

2024

Hurricane Beryl

198 households applied for aid $131K aid approved

2021

Severe Winter Storms

12 households applied for aid

2019

Tropical Storm Imelda

1 household applied for aid

2017

Hurricane Harvey

45 households applied for aid $69K aid approved

2008

Hurricane Ike

162 households applied for aid $201K aid approved

2005

Hurricane Rita

9 households applied for aid $4K aid approved

Chambers County has had 17 natural disasters declared since 1953, most often hurricanes 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. Cove 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 Cove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cove. 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.