Covington, LA
Flood Insurance in Covington.
NFIP and private flood 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
What shapes flood insurance in 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 modeling 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.
What a quote needs
Flood Insurance in Covington.
What we'll typically ask for.
- Property address
- Elevation certificate, if you have one
- Foundation type
- Year built and square footage
- Current flood policy, if any
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