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Natural hazards · Dover

Dover, NY 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. Flood insurance has paid 37 claims here since 1984. 6 federal disasters brought FEMA money into town.

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

How exposed is Dover?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding73%Hurricanes12%Everything else15%
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

73% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

12% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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.

37paid claims since 1984
$418Kpaid to owners
7homes flooded more than once
19842026

Biggest named events

  • April 2007 Nor'easter: 9 claims, $189K
  • Torrential rain: 5 claims, $37K
  • Hurricane Irene: 2 claims, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Dutchess County.
Disasters that hit Dover

6 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 Dutchess County only
2023

Severe Storms and Flooding

$526K to the Town of Dover for repairs
2021

Remnants of Hurricane Ida

$214K to the Town of Dover for repairs
2017

Severe Winter Storm and Snowstorm

$41K to the Town of Dover for repairs
2011

Hurricane Irene

$319K to the Town of Dover for repairs
2010

Severe Winter Storm and Snowstorm

$27K to the Town of Dover for repairs
2007

Severe Storms and Inland and Coastal Flooding

$234K to the Town of Dover for repairs
Dutchess County has had 22 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Dover

Dover and the towns around it

Union Vale: Low, mostly inland floodingAmenia: High, mostly inland floodingPawling: Low, mostly inland floodingBeekman: Moderate, mostly inland floodingKent: High, mostly inland floodingSherman: High, mostly inland floodingWashington: Low, mostly inland floodingLaGrange: Low, mostly inland floodingSharon: Moderate, mostly inland floodingStanford: Moderate, mostly inland floodingNorth East: Moderate, mostly inland floodingPatterson: Very low, mostly inland floodingEast Fishkill: Moderate, mostly inland floodingKent: Very low, mostly inland floodingWarren: Moderate, mostly inland floodingNew Milford: High, mostly inland floodingWashington: High, mostly inland floodingCornwall: High, mostly inland floodingNew Fairfield: Moderate, mostly inland floodingDover: Moderate, mostly inland flooding DoverUnion ValeAmeniaPawlingBeekmanKentSherman
Very lowLowModerateHighVery high
Kentmostly inland floodingHigh
Shermanmostly inland floodingHigh
Ameniamostly inland floodingHigh
Dovermostly inland floodingModerate
Beekmanmostly inland floodingModerate
Union Valemostly inland floodingLow
Pawlingmostly 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 2 census tracts, combined by population.
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.

FEMA’s expected losses across Dover total about $2.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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