Natural hazards · Dover

Dover, MO natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Dover?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 54% of U.S. communities, mostly from inland flooding and drought.

Inland flooding37%Drought24%Cold waves11%Tornadoes9%Heat waves7%Everything else12%

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

37% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 3 times a year in the area

Drought

24% of expected damage

Recorded about 16 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 8 years in the area

Heat waves

7% of expected damage

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

Recorded about 16 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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?

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: Vernon County.

Disasters that hit Dover

Federal disasters declared here

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

Brought FEMA money into DoverDeclared for Vernon County only

Vernon County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Dover

Dover and the towns around it

Very lowLowModerateHighVery high

Doylesportmostly inland floodingHigh

Badgermostly inland floodingHigh

Virgilmostly inland floodingHigh

Dovermostly inland floodingModerate

Montevallomostly inland floodingModerate

Drywoodmostly inland floodingModerate

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 the Township of 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.