Natural hazards · Dover

Dover, OK 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 10 claims here since 1983. 7 federal disasters brought FEMA money into town.

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 85% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves17%Tornadoes17%Drought9%Hail9%Ice storms5%Everything else9%

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

34% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Drought

9% of expected damage

Recorded about 67 times a year in the area

Hail

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 10 times a year in the area

Ice storms

5% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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?

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

10paid claims since 1983

$137Kpaid to owners

0homes flooded more than once

19832026

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: Kingfisher County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Dover

7 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 Kingfisher County only

2020

Severe Winter Storm

$33K to the Town of Dover for repairs

2019

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

12 households applied for aid $5K aid approved

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

1 household applied for aid $595 aid approved

2007

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $4K aid approved

2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $614 aid approved

2002

Severe Winter Ice Storm

$63K to the Town of Dover for repairs

1999

Ok, Tornadoes 5/3/99

$7K to the Town of Dover for repairs

Kingfisher County has had 31 natural disasters declared since 1953, most often severe storms and ice storms.

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.