Natural hazards · Dover

Dover, IL natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2019.

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

Expected damage

How exposed is Dover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes19%Drought10%Cold waves8%Earthquakes5%Strong wind5%Everything else7%

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.

Inland flooding

44% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 15 years in the area

Drought

10% of expected damage

Recorded about 9 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 63% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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?

Every paid claim on a federal flood insurance policy in Dover, from FEMA’s records.

1paid claims since 2019

$5Kpaid to owners

0homes flooded more than once

20192026

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: Bureau County.

Disasters that hit Dover

Federal disasters declared here

None of the disasters declared for Bureau County shows FEMA aid or repair money reaching Dover itself in FEMA’s records.

Brought FEMA money into DoverDeclared for Bureau County only

Bureau County has had 15 natural disasters declared since 1953, most often floods and winter storms.

Around Dover

Dover and the towns around it

Very lowLowModerateHighVery high

Berlinmostly inland floodingLow

Dovermostly inland floodingLow

Princetonmostly inland floodingLow

Bureaumostly inland floodingLow

Princetonmostly inland floodingLow

Ohiomostly inland floodingLow

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Dover’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Dover. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Dover total about $2.0M a year, counting buildings, people and crops.

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.