Covington Fire Department Community Risk Profile | Risk & Response by Arborlook Insights

Service Area Overview

Your department boundary, station locations, and overall NRI risk scores by census tract. Use the sections below to explore specific hazards, fire risk indicators, and EMS demand drivers across your service area.

Service area, population, and census tract assignments are based on department boundaries from NERIS Public. Boundary accuracy varies by jurisdiction.

Natural Hazard Risk

What this means for planning: With a risk score of 97.2 (Very High nationally), earthquake is your leading natural hazard. Prioritize heavy rescue capabilities, building collapse protocols, and mutual aid for large-scale events. Coordinate with emergency management on critical facility assessments and community seismic preparedness.

Top 5 Hazards in Your Service Area

Sorted by life-safety impact. Life-safety loss uses FEMA’s Value of Statistical Life ($13.7M per fatality or 10 injuries). NRI methodology

Hazard	Risk Score	Rating	Life-Safety Loss $/yr	Total Loss $/yr
Earthquake TOP LIFE-SAFETY HAZARD	97.2	Very High	$2.4M/yr	$5.5M/yr
Tornado	98.2	Very High	$1.2M/yr	$1.6M/yr
Cold Wave	91.8	Very High	$747K/yr	$752K/yr
Heat Wave	92.7	Very High	$500K/yr	$500K/yr
Lightning	91.6	Very High	$102K/yr	$107K/yr

How to read this map: Colors show absolute national risk levels (red = Very High nationally, green = Very Low nationally). These are objective hazard comparisons across all U.S. communities.

Historical Disaster Declarations

Your county has experienced 12 FEMA disaster declarations in the last 10 years, and 20 declarations in the last 25 years.

Date	Type	Title
2026-02-06	Winter Storm	SEVERE WINTER STORM
2026-01-24	Winter Storm	SEVERE WINTER STORM
2025-06-19	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
2025-04-02	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
2023-09-04	Severe Storm	SEVERE STORMS AND STRAIGHT-LINE WINDS

Demographics & Vulnerability

Why This Matters

Your community's demographics shape everything: from where you need smoke alarm programs to how many of your calls are EMS. The data below identifies who generates the most emergency demand, who faces the greatest barriers during emergencies, and who benefits most from targeted CRR outreach.

Age Distribution

Age drives EMS call volume (highest utilization: 65+ and especially 75+, with elevated rates also among children under 5), shapes fire safety education priorities, and determines evacuation assistance needs. The dark marker on each bar shows the national average.

Under 5

6.3% (870)

Ages 5-17

18.1% (2,489)

Ages 18-64

59.0% (8,095)

Ages 65-74

9.9% (1,358)

Ages 75-84

4.4% (602)

Ages 85+

2.3% (314)

Your Community

National Average

Social Vulnerability Indicators

These indicators identify populations that need additional support during emergencies, face barriers to self-evacuation or medical access, and benefit most from proactive CRR programming.

Vulnerability Factor	Your Community	Peer Average	National Average	vs. Peers
Disability Rate Higher EMS utilization, evacuation assistance needs, accessible communication requirements	17.0%	18.6%	13.4%	≈ average
Poverty Rate Economic barrier to safety resources	24.9%	17.9%	12.5%	slightly higher
Uninsured Rate May delay medical care, leading to emergencies	8.0%	8.7%	8.3%	≈ average
Limited English Households Language barrier to emergency communication	0.0%	0.9%	4.3%	Infx lower
No Vehicle Access Evacuation risk; higher EMS transport dependence	15.1%	6.3%	8.7%	2.4x higher
No Internet Access Disconnected from digital emergency alerts	11.0%	12.9%	6.7%	≈ average

Economic Context

Median Household Income

$58,435

Peers: $55,443 · National: $89,476

Per Capita Income

$28,441

Peers: $30,243 · National: $44,519

Median Home Value

$214,431

Peers: $166,606 · National: $402,761

Fire Risk Factors

What this means for planning: Focus fire prevention efforts on cooking safety (leading cause of home fires), heating equipment safety, electrical hazards, and smoke alarm installation programs. Target education toward renters and multi-family buildings where fire incidence is typically higher.

How to read this map: Colors show relative risk within your jurisdiction (red = highest-need tracts, green = lowest-need). Check the table below for overall levels vs. peers and national averages.

Risk Factor	Your Community	Peer Average	National Average	vs. Peers
Pre-1980 Housing Pre-1980 construction standards	47.5%	32.0%	36.3%	slightly higher
Wood Heating Wood stoves and fireplaces as primary heat	0.4%	1.4%	1.4%	3.3x lower
Vacancy Rate Vacant properties at higher fire risk	9.1%	12.6%	10.3%	slightly lower
Mobile Homes Structural fire spread risk	2.5%	13.4%	5.8%	5.3x lower
Renter-Occupied Higher turnover, variable maintenance	42.8%	29.4%	34.7%	slightly higher

EMS Risk Factors

EMS typically accounts for 60-80% of fire department call volume nationally. The demographics below are the strongest predictors of where that demand comes from in your service area.

What this means for planning: 15.1% of households lack vehicle access, 1.7x higher the national average. High rates of transport dependence correlate with increased EMS demand. Consider community paramedicine programs, partnerships with social services and Medicaid transport providers, and advocacy for non-emergency medical transport alternatives.