Covington, LA
Flood Insurance in Covington.
NFIP and private flood coverage for Covington — where the water comes from the Bogue Falaya and the Tchefuncte, not from Lake Pontchartrain, and the March 2016 flood showed what that looks like.
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Covington
Local flood insurance, built for St. Tammany Parish.
Rivers, not the lake
Covington floods differently from the rest of the Northshore. St. Tammany Parish separates its lakefront communities, which are exposed to storm surge, from inland communities like Covington that are exposed to riverine flooding from the Tchefuncte. The Bogue Falaya, a Tchefuncte tributary, runs through town and is gauged continuously by the city.
March 2016, not August 2016
The flood that matters here is the March 2016 event, not the August one that devastated Baton Rouge. In March 2016 roughly 625 structures flooded across St. Tammany Parish, with water entering homes in Covington attributed specifically to riverine flooding on the Bogue Falaya. The USGS later mapped a 16.5-mile reach of the river through Folsom and Covington from that flood.
Lower depths, and lower claims
Parish modelling puts worst-case flood depths for Covington and the interior at 5 to 7 feet, against roughly 18 feet for the lakefront communities. Repetitive-loss claims here have averaged less than half those in Slidell or Mandeville. Flooding in Covington is both rarer and shallower — which is exactly why coverage tends to be affordable here.
Coverage details
Flood Insurance in Covington.
What a flood insurance policy placed for a Covington property typically includes.
- NFIP Dwelling Form and private-market flood options compared
- Building and contents coverage (contents purchased separately on NFIP)
- Coverage whether or not you're in a high-risk flood zone
- Excess flood above the NFIP $250K building cap for higher-value homes
- 30-day NFIP waiting period — bind ahead of the season, not during a river rise
Also serving Flood Insurance in Mandeville · Flood Insurance in Slidell · Flood Insurance on the Northshore · All service areas
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