Natural hazards · Dover

Dover, OH natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 81 claims here since 1979.

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

Expected damage

How exposed is Dover?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding86%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.

Inland flooding

86% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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?

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

81paid claims since 1979

$806Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

March storm: 6 claims, $47K
Not a named storm: 6 claims, $13K
Tropical Storm Ivan: 2 claims, $5K

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: Athens County.

Disasters that hit Dover

Federal disasters declared here

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

Brought FEMA money into DoverDeclared for Athens County only

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

Around Dover

Dover and the towns around it

Very lowLowModerateHighVery high

Trimblemostly inland floodingVery high

Yorkmostly inland floodingVery high

Dovermostly inland floodingVery high

Amesmostly inland floodingHigh

Athensmostly inland floodingHigh

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 (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 $3.7M 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.