Covington County, Alabama: hazard risk
FEMA rates Covington County's overall risk Relatively Moderate (score 82.4 of 100, higher than 82% of rated U.S. counties); 2 of its 14 hazards are rated Relatively High or Very High, led by lightning, hurricane. Its storm record holds 451 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Relatively High | 96.1 | $1.5M |
| Hurricane | Relatively High | 95.6 | $18M |
| Tornado | Relatively Moderate | 83.7 | $3.3M |
| Heat Wave | Relatively Low | 69.7 | $610K |
| Riverine Flooding | Relatively Low | 69.0 | $8.6M |
| Cold Wave | Relatively Low | 57.5 | $861K |
| Drought | Relatively Low | 55.2 | $143K |
| Strong Wind | Relatively Low | 42.0 | $295K |
| Ice Storm | Relatively Low | 33.1 | $26K |
| Winter Weather | Relatively Low | 30.3 | $21K |
| Earthquake | Very Low | 54.2 | $233K |
| Landslide | Very Low | 51.1 | $972 |
| Wildfire | Very Low | 49.7 | $32K |
| Hail | Very Low | 17.6 | $42K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 235 | 0 | $2.2M | 43rd of 67 | 1735th of 3,080 |
| Hail | 111 | 0 | $32K | 42nd of 67 | 2122nd of 3,080 |
| Tornadoes | 49 | 2 | $21M | 45th of 67 | 1043rd of 3,080 |
| Floods | 20 | 0 | $15M | 58th of 67 | 2430th of 3,080 |
| Winter storms | 11 | 0 | – | 64th of 67 | 2951st of 3,077 |
| Lightning | 10 | 3 | $131K | 28th of 67 | 739th of 3,080 |
| Hurricanes and tropical storms | 5 | 0 | $16M | 57th of 67 | 716th of 1,849 |
| Drought | 2 | 0 | – | 66th of 67 | 2397th of 3,063 |
| Heat | 2 | 0 | – | 65th of 67 | 2203rd of 3,076 |
| Heavy rain | 2 | 0 | – | 35th of 67 | 1939th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Covington County record: every hazard by year and month, the deadliest events and FEMA's declarations.