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Natural hazards · Dover

Dover, VT natural hazards

Most of the natural-hazard damage FEMA expects in Dover comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 2009. 7 federal disasters brought FEMA money into town.

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

How exposed is Dover?

18
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dover to be higher than in 18% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves15%Hurricanes7%Tornadoes6%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

63% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

7% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 15 years in the area

Tornadoes

6% of expected damage
Below average · higher than 49% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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.

7paid claims since 2009
$200Kpaid to owners
1homes flooded more than once
20092026

Biggest named events

  • Hurricane Irene: 4 claims, $184K
  • March 2010 Nor'easter: 1 claim, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ 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: Windham County.
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 Windham County only
2017

Severe Storm and Flooding

$203K to the Town of Dover for repairs
2011

Tropical Storm Irene

1 household applied for aid $453K to the Town of Dover for repairs
2008

Severe Winter Storm

$35K to the Town of Dover for repairs
2007

Severe Storms and Flooding

$136K to the Town of Dover for repairs
2001

Snow

$9K to the Town of Dover for repairs
2000

Severe Storms and Flooding

$20K to the Town of Dover for repairs
1999

Tropical Storm Floyd

$10K to the Town of Dover for repairs
Windham County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Dover

Dover and the towns around it

Newfane: High, mostly inland floodingWilmington: Moderate, mostly inland floodingMarlboro: Low, mostly inland floodingWardsboro: Very low, mostly inland floodingStratton: Very low, mostly inland floodingBrookline: High, mostly inland floodingDummerston: Moderate, mostly inland floodingTownshend: High, mostly inland floodingSearsburg: High, mostly inland floodingWhitingham: Low, mostly inland floodingReadsboro: High, mostly inland floodingHalifax: Low, mostly inland floodingBrattleboro: Moderate, mostly inland floodingJamaica: High, mostly inland floodingWinhall: Very low, mostly inland floodingSunderland: High, mostly inland floodingDover: Very low, mostly inland flooding DoverNewfaneWilmingtonMarlboroWardsboroStratton
Very lowLowModerateHighVery high
Newfanemostly inland floodingHigh
Wilmingtonmostly inland floodingModerate
Marlboromostly inland floodingLow
Dovermostly inland floodingVery low
Wardsboromostly inland floodingVery low
Strattonmostly inland floodingVery low
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 1 census tract, 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 $698K 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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