Natural hazards · Dover

Dover, PA 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 99 claims here since 1978.

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 46% of U.S. communities, mostly from inland flooding.

Inland flooding69%Hurricanes11%Everything else20%

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

69% of expected damage

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

Recorded about 3 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Lower here

TornadoesHailIce 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.

99paid claims since 1978

$1.3Mpaid to owners

17homes flooded more than once

19782026

Biggest named events

Tropical Storm Lee: 13 claims, $202K
Hurricane Ida: 6 claims, $162K
Hurricane Sandy: 5 claims, $110K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ 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: York County.

Disasters that hit Dover

Federal disasters declared here

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

Brought FEMA money into DoverDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

Around Dover

Dover and the towns around it

Very lowLowModerateHighVery high

Dovermostly inland floodingModerate

Conewagomostly inland floodingLow

Washingtonmostly inland floodingLow

West Manchestermostly inland floodingLow

Paradisemostly inland floodingLow

Warringtonmostly inland floodingLow

Jacksonmostly 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 5 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 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 $5.2M 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.