For the general statement, it sounds like what you are looking for is a coherent topos. I'm not an expert on this, so there may be better terminology suggestions or references from people who are.
For the specific question of when an etale covering of a scheme has a finite subcover, it suffices for $X$ to be quasicompact. SGA4, section VIII (available here at MSRI's website) or Stacks 021E explains that the etale topos is equivalent to the topos of sheaves on the site obtained from the full subcategory of affine finitely presented etale schemes over $X$. As every affine morphism is quasicompact, we see that each such cover has a finite subcover.
For the more specific case of $X$ proper over a field, since proper morphisms are universally closed and universally closed morphisms are quasicompact, we see that the previous paragraph applies and any etale covering should have a finite subcover.