Covington County
Alabama — Natural Disaster Risk Assessment
MediumComposite Risk Score
National percentile: 82th
Covington County faces medium composite natural disaster risk (NRI Risk Index score 82.4, 82th national percentile), driven primarily by lightning and hurricane exposure. Expected annual loss across all 18 hazard types is $33M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | High | 75.21 / yr | $1M |
| Hurricane | High | 0.18 / yr | $18M |
| Tornado | Medium | 0.94 / yr | $3M |
| Heat Wave | Low | 7.26 / yr | $610K |
| Riverine Flood | Low | 0.61 / yr | $9M |
| Cold Wave | Low | 0.95 / yr | $861K |
| Drought | Low | 24.55 / yr | $143K |
| Earthquake | Very Low | 0.00 / yr | $233K |
| Landslide | Very Low | 0.28 / yr | $972 |
| Wildfire | Very Low | 0.00 / yr | $32K |
| Strong Wind | Low | 2.11 / yr | $295K |
| Ice Storm | Low | 0.12 / yr | $26K |
| Winter Weather | Low | 0.74 / yr | $21K |
| Hail | Very Low | 1.39 / yr | $42K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Covington County?
Covington County has a composite FEMA National Risk Index score of 82.4 out of 100, placing it in the Medium category and the 82th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Covington County?
The three highest-rated hazards are Lightning (High, $1M EAL), Hurricane (High, $18M EAL), Tornado (Medium, $3M EAL). These account for most of the county's expected annual losses.
How does Covington County compare to other Alabama counties?
Covington County ranks #18 of 67 Alabama counties for overall natural disaster risk, with a medium rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Covington County's $33M EAL is a statistical average, not a guarantee for any specific year or address.