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–Not graded
Natural hazards in Cove · FEMA

Storms, floods and disasters in Cove

Cove isn’t graded for hazard risk: Cove has 378 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Flood insurance
10% off
Community discount (class 8)
By hazard

What Cove 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

47%of expected building damage
About average · lower than 58% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

37%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 5 years in the area

Tornadoes

10%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Recorded about once every 17 years in the area
Smaller shares here
 Coastal flooding top 4% Hail Ice storms Strong wind Wildfire Earthquakes Winter storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
AvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts tornadoes at 19% of Cove’s expected losses. Tornadoes do little damage to buildings (10.2%), 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.
Flood insurance claims

Does Cove flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
Community discount10% off flood insurance

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

Insurance rates: Chambers County.
Disasters

4 federal disasters brought FEMA money to Cove

Disasters that paid out in Cove itself (aid to households or repair grants to the City of Cove), newest first, with that year’s flood claims.

  1. 2024Hurricane Beryl198 households applied for aid$131K aid approved
  2. 2017Hurricane Harvey45 households applied for aid$69K aid approved
  3. 2008Hurricane Ike162 households applied for aid$201K aid approved
  4. 2005Hurricane Rita9 households applied for aid$4K aid approved
Disasters declared, by decade
Paid out in CoveChambers County only

Chambers County has had 16 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Cove archive →
Be ready

Get ready for what Cove 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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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.
  • Cove residents get 10% off flood insurance.
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 Cove

Is Cove 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 Chambers County, 43% of homes in mapped flood zones carry federal flood insurance, and 22.7% of all homes do.

How much is flood insurance in Cove?

Cove is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Cove?

By FEMA money that reached Cove, Hurricane Ike (2008): 162 households applied for aid, $201K approved.

Storm stories

Memories, warnings and help from neighbors in Cove.

Town Square →
Start the conversation

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