Photo: Kenneth C. Zirkel · CC BY-SA 4.0FEMA expects more hazard damage per building in Coventry than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coventry gets a C− for hazard risk: higher expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 5 claims here since 1999.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Coventry faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Coventry’s grade
River and rain flooding is 96% of the building damage FEMA expects in Coventry, and Coventry’s rate of river and rain flooding damage is in the top 7% of U.S. census tracts.
C− higher expected damage per building than 84% of U.S. towns (21,298).
Coventry’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $828K a year in losses across Coventry: $736K to buildings, the rest to people and crops.
Does Coventry flood? Rarely: 5 flood claims since 1999
Every paid claim on a federal flood insurance policy in Coventry, from FEMA’s records: 7.1 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee1 claim · $3K
Coventry isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chenango County.9 federal disasters brought FEMA money to Coventry
Disasters that paid out in Coventry itself (aid to households or repair grants to the Town of Coventry), newest first, with that year’s flood claims.
- 2018Severe Storms and Flooding$56K to the Town of Coventry for repairs
- 2011Remnants of Tropical Storm Lee$168K to the Town of Coventry for repairs1 flood claim paid for it, $3K
- 2009Severe Storms and Flooding$77K to the Town of Coventry for repairs
- 2006Severe Storms and Flooding$105K to the Town of Coventry for repairs
- 2006Severe Storms and Flooding$561K to the Town of Coventry for repairs
- 2005Severe Storms and Flooding$36K to the Town of Coventry for repairs
Show all 9
- 2004Tropical Depression Ivan$10K to the Town of Coventry for repairs
- 2003Snow$6K to the Town of Coventry for repairs
- 2002Snowstorms$10K to the Town of Coventry for repairs
Chenango County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Coventry after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coventry archive →Coventry and its neighbors
Coventry is 3rd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Greene | C−more damage than 76% | river and rain flooding | 43 |
| Oxford | C−more damage than 77% | river and rain flooding | 9 |
| Coventry | C−more damage than 84% | river and rain flooding | 5 |
| Colesville | Dmore damage than 85% | river and rain flooding | 66 |
| Bainbridge | Dmore damage than 87% | river and rain flooding | 35 |
| Afton | Dmore damage than 90% | river and rain flooding | 32 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Coventry faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Coventry
Is Coventry at risk for natural disasters?
On FEMA’s National Risk Index, Coventry has higher expected damage per building than 84% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (96%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coventry flood?
Flood insurance has paid 5 claims in Coventry since 1999, $35K in all, or 7.1 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (1).
Is Coventry in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Chenango County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Coventry?
FEMA’s Community Rating System list shows no discount for Coventry’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Coventry?
By FEMA money that reached Coventry, Severe Storms and Flooding (2006): $561K to the Town of Coventry for repairs. By flood claims, Tropical Storm Lee: 1 paid, $3K.
Is Coventry at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Coventry’s rate for it is in the top 7% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coventry.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coventry’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.