Natural hazards · Dover

Dover, TN natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from inland flooding, and overall the risk is high for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dover?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 65% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding30%Earthquakes26%Tornadoes20%Cold waves7%Lightning7%Everything else10%

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

30% of expected damage

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

Recorded about once a year in the area

Earthquakes

26% of expected damage

Well above average · higher than 84% of U.S. places

Tornadoes

20% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 11 years in the area

Cold waves

7% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Lightning

7% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windDrought

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: Stewart 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 City of Dover.

Brought FEMA money into DoverDeclared for Stewart County only

2023

Severe Storms and Tornadoes

1 household applied for aid $300 aid approved

2021

Severe Storms, Straight-Line Winds, and Tornadoes

9 households applied for aid $7K aid approved

2011

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

49 households applied for aid $89K aid approved

2010

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

28 households applied for aid $12K aid approved $9K to the City of Dover for repairs

2009

Severe Winter Storm and Flooding

$2K to the City of Dover for repairs

2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $9K aid approved

Stewart County has had 18 natural disasters declared since 1953, most often severe storms and tornadoes.

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 City 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.