TownTapestry
Sign inJoin
DoverGood afternoon
Natural hazards · Dover

Dover, FL natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from hurricanes, and overall the risk is high for a U.S. community. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Dover?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 72% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes41%Inland flooding19%Cold waves19%Tornadoes10%Everything else11%
By hazard

What Dover faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

41% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

19% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 2 times a year in the area

Cold waves

19% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Above average · higher than 71% of U.S. places

Lower here

HailHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Dover flood?

FEMA's records show no paid flood insurance claims in Dover.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Dover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hillsborough County.
Disasters that hit Dover

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Dover itself: aid to households, or repair grants to Dover.

Brought FEMA money into DoverDeclared for Hillsborough County only
2024

Hurricane Milton

2,464 households applied for aid $3.9M aid approved
2024

Hurricane Helene

247 households applied for aid $250K aid approved
2024

Hurricane Debby

28 households applied for aid $46K aid approved
2023

Hurricane Idalia

21 households applied for aid $14K aid approved
2022

Hurricane Ian

872 households applied for aid $510K aid approved
2017

Hurricane Irma

1,204 households applied for aid $506K aid approved
2016

Hurricane Hermine

3 households applied for aid $8K aid approved
2012

Tropical Storm Debby

1 household applied for aid
2004

Hurricane Jeanne

318 households applied for aid $521K aid approved
2004

Hurricane Frances

129 households applied for aid $188K aid approved
Hillsborough County has had 41 natural disasters declared since 1953, most often hurricanes and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Dover is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Dover’s own flood-insurance community; household aid to the registrant’s city; repair grants to Dover. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

The door’s open

Where to, neighbor?

You’re in Dover, FLView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Dover is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
Open detailed map