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A+Hazard risk
Natural hazards in Covington Township · FEMA

On FEMA’s figures, few U.S. towns expect less hazard damage per building than Covington Township, mostly from river and rain flooding

On FEMA’s National Risk Index, Covington Township gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 4 claims here since 1996.

River and rain flooding 78%Hurricanes 9%Tornadoes 5%

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

among the lowestof U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A+
in Pennsylvania · among the lowest of U.S. towns
Main hazard
River and rain flooding
78% of expected building damage
Flood claims
4
paid since 1996 · $43K
Flood claims per home
4 per 1,000
more than 55% of U.S. towns
By hazard

What Covington Township 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

78%of expected building damage
Well below average · lower than 93% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

9%of expected building damage
Above average · higher than 66% of U.S. census tracts
Smaller shares here
 Tornadoes Earthquakes Strong wind Ice storms Winter storms Hail Wildfire Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 9% of Covington Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Covington Township’s grade

River and rain flooding is 78% of the building damage FEMA expects in Covington Township, and Covington Township’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is hurricanes at 9% (higher than 66% of U.S. census tracts).

Where Covington Township sits
Covington Township
Least damageMiddleMost damage

A+ among the lowest expected damage per building of U.S. towns (21,298).

All of Covington Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding78%Hurricanes9%Tornadoes5%Everything else8%

In dollars, FEMA expects about $667K a year in losses across Covington Township: $560K to buildings, the rest to people and crops.

Shared tract.All of Covington Township’s 2,198 residents (2020 census) live in one census tract, which it shares with Madison township (2,469 residents) and Eagle Lake CDP (12 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Covington Township flood? Rarely: 4 flood claims since 1996

Every paid claim on a federal flood insurance policy in Covington Township, from FEMA’s records: 4.0 per 1,000 homes, more than 55% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 1 claim2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199620042007
19962026
Biggest named events
  • Tropical Storm Ivan1 claim · $22K
4
paid claims since 1996
$43K
paid to owners
0
homes flooded more than once
$11K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Covington Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lackawanna County.
Disasters

The storms Covington Township remembers

None of the 18 disasters declared for Lackawanna County shows FEMA aid or repair money reaching Covington Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Lackawanna County
  2. 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Lackawanna County
  3. 20071 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Covington TownshipLackawanna County only

Lackawanna County has had 18 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.

Were you here?

Old photos of Covington Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Covington Township archive →
Next door

Covington Township and its neighbors

Covington Township is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Madison Township: hazard risk A+Clifton Township: hazard risk A+Spring Brook Township: hazard risk B+Moscow: hazard risk AMadison TownshipClifton TownshipSpring Brook TownshipMoscowCovington Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Madison TownshipA+among the lowest damageriver and rain flooding44
Covington TownshipA+among the lowest damageriver and rain flooding4
Clifton TownshipA+less damage than 97%river and rain flooding2
MoscowAless damage than 89%river and rain flooding14
Spring Brook TownshipB+less damage than 74%river and rain flooding—

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.

Be ready

Get ready for what Covington Township faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Covington Township

Is Covington Township at risk for natural disasters?

On FEMA’s National Risk Index, Covington Township has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (78%) and hurricanes (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Covington Township flood?

Flood insurance has paid 4 claims in Covington Township since 1996, $43K in all, or 4.0 per 1,000 homes, more than 55% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).

Is Covington Township 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 Lackawanna County, 29% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.

How much is flood insurance in Covington Township?

FEMA’s Community Rating System list shows no discount for Covington Township’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 Covington Township?

By flood claims, Tropical Storm Ivan: 1 paid, $22K.

Is Covington Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (78%), and Covington Township’s rate for it is lower than 93% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Covington Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Covington Township’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.