Natural hazards · Dover

Dover, MO natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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 cold waves and inland flooding.

Cold waves37%Inland flooding28%Tornadoes14%Heat waves7%Everything else14%

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.

Cold waves

37% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 19 years in the area

Heat waves

7% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 13 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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: Lafayette County.

Disasters that hit Dover

2 federal disasters brought FEMA money here

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

Brought FEMA money into DoverDeclared for Lafayette County only

2011

Flooding

2 households applied for aid

2007

Severe Storms and Flooding

2 households applied for aid $1K aid approved

Lafayette County has had 21 natural disasters declared since 1953, most often severe storms and floods.

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 Town 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.