Property Atlas

County hazard profile

Covington, MS

Mississippi · pop. 18,330 · FIPS 28031

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$10M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Covington $10M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 50.83/100
national median ~50 near the national middle (51st percentile)
Social vulnerabilityVery High 94.31/100
national median ~50 among the highest nationally
Community resilienceRelatively Low 22.2/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Covington

The National Flood Insurance Program has paid 70 flood-insurance claims totaling $687K in Covington since 1979. The costliest year was 2005 ($172K paid).

Flood-insurance dollars paid by year of loss

1979: $5,780 paid 1980: $9,168 paid 1983: $50,971 paid 1987: $1,826 paid 1990: $104,084 paid 1991: $8,000 paid 1993: $4,302 paid 1994: $5,987 paid 1995: $5,548 paid 1996: $8,694 paid 1997: $6,031 paid 2001: $30,721 paid 2003: $57,897 paid 2004: $2,476 paid 2005: $172,185 paid 2008: $3,396 paid 2009: $7,173 paid 2010: $7,200 paid 2013: $8,528 paid 2014: $7,414 paid 2016: $152,608 paid 2021: $26,709 paid 2023: $0 paid 2005 · $172K 1979 2023
$687K
total paid
$9,810
average claim
$102K
largest single claim
61%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Covington, MS and where it ranks among U.S. counties. It is not a verdict on whether Covington is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.