Photo: User:Dincher · CC BY-SA 3.0More hazard damage per building is expected in Covington Township than in 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Covington Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (94%). FEMA’s files show no paid flood insurance claims here.
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 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
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 Covington Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Covington Township, and Covington Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
All of Covington Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $409K a year in losses across Covington Township: $369K to buildings, the rest to people and crops.
Does Covington Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Covington Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Tioga County.2 federal disasters brought FEMA money to Covington Township
Disasters that paid out in Covington Township itself (aid to households or repair grants to Covington Township), newest first, with that year’s flood claims.
- 2024Tropical Storm Debby7 households applied for aid$9K aid approved
- 2004Tropical Depression Ivan4 households applied for aid$7K aid approved
Tioga County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
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 →Covington Township and its neighbors
Covington Township is 3rd of the 3 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 |
|---|---|---|---|
| Richmond Township | C+more damage than 64% | river and rain flooding | 9 |
| Sullivan Township | Cmore damage than 73% | river and rain flooding | 3 |
| Covington Township | Cmore damage than 73% | river and rain flooding | 0 |
| Bloss Township | — | 456 residents; we grade 1,000+ | |
| Ward Township | — | 157 residents; we grade 1,000+ | |
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 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.
- 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 Covington Township
Is Covington Township at risk for natural disasters?
On FEMA’s National Risk Index, Covington Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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.
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 Tioga County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.3% 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 FEMA money that reached Covington Township, Tropical Storm Debby (2024): 7 households applied for aid, $9K approved.
Is Covington Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Covington Township’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Covington Township.
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.