Covington, Louisiana Flood Zones
Last updated: March 2026
Covington in St. Tammany Parish faces flooding from the Bogue Falaya and Tchefuncte rivers. Heavy rainfall causes these rivers to overflow and flood residential areas in the north shore community.
St. Tammany Parish has recorded 38,327 NFIP flood insurance claims since 1978, totaling $1.8B in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 6
NFIP Policies
47,298
St. Tammany Parish
Avg. Premium
$1,130/yr
St. Tammany Parish
FEMA Flood Risk Profile: St. Tammany Parish
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $70.2M
Coastal Flood Risk
Relatively HighEst. annual loss: $3.3M
Hurricane Risk
Very HighEst. annual loss: $143.2M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: St. Tammany Parish
St. Tammany Parish has been included in 40 federal flood-related disaster declarations.
...and 32 earlier declarations since 2008.
These declarations affected communities across St. Tammany Parish, including Covington.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: St. Tammany Parish
Properties in St. Tammany Parish have filed 38,327 NFIP flood insurance claims totaling $1.8B in payouts since 1978. The average claim payout is $46K.
Highest-Claim Years
2005
18,281 claims - $1.4B
1995
3,361 claims - $61.2M
2012
3,011 claims - $79.7M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Covington
Covington faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Covington are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $70.2M.
Riverine flood risk in Covington is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Covington address.
Flood Insurance Discount: Covington
Covington participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Covington's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Covington, LA Flood Zone FAQ
What flood zones are in Covington, LA?
The most common FEMA flood zones in Covington are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Covington?
If your Covington property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Covington?
Enter your Covington address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Covington offer flood insurance discounts?
Yes. Covington participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Covington experienced major flooding events?
St. Tammany Parish, where Covington is located, has been part of 40 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Francine in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Covington?
St. Tammany Parish has recorded 38,327 NFIP flood insurance claims totaling $1.8B in payouts since 1978. The year with the most claims was 2005, with 18,281 claims and $1.4B in payouts. These figures cover all NFIP claims in the county, including Covington.
How many flood insurance policies are active in Covington?
St. Tammany Parish currently has 47,298 active NFIP flood insurance policies with an average annual premium of $1,130. The most policies are in Zone X (25,057 policies). These figures cover all active NFIP policies in the county.
Can my Covington property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Covington?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Covington's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.