Natural hazards · Dover

Dover, WI 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.

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 53% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves20%Tornadoes11%Hail9%Strong wind5%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

47% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 8 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 9 years in the area

Hail

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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: Buffalo County.

Disasters that hit Dover

Federal disasters declared here

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

Brought FEMA money into DoverDeclared for Buffalo County only

Buffalo County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Dover

Dover and the towns around it

Very lowLowModerateHighVery high

Chimney Rockmostly inland floodingModerate

Dovermostly inland floodingModerate

Montanamostly inland floodingModerate

Naplesmostly inland floodingModerate

Gilmantonmostly inland floodingModerate

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.