Covington County, MS flood risk explained
Flood hazard in Covington County sits at the 42.2th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Covington County's flood-insurance compliance gap
7.6% of the homes FEMA requires to carry flood insurance in Covington County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 46 policies against 608 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Covington County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Covington County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Covington County ranks 1879 — 1 being the highest hazard nationally — and 1932 by population among all 3144 counties covered here, where 1 is the largest. Covington County, Mississippi is home to about 18,015 people across 413.819 square miles of land.
Checking a specific address in Covington County
FEMA counts 7,645 residential structures in Covington County overall, 54 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Covington County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.