🌍 ClimateRiskCheck

Natural Disaster Risk in Dover

Delaware

7.3out of 10
High Risk

Risk Summary for Dover

Dover scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Cold Wave Hurricane

All 18 Hazard Scores

Coastal Flooding
9.6
Hurricane
9.4
Winter Weather
9.4
Cold Wave
9.4
Extreme Heat
8.9
Drought
8.7
Earthquake
8.3
Lightning
7.7
Tornado
7.3
Ice Storm
7.3
Wildfire
6.9
Strong Wind
6.5
Tsunami
5.4
Hail
5.3
Volcanic Activity
5.1
Avalanche
4.5
Landslide
3.9
Riverine Flooding
1.0

How it compares

Dover
7.3
Delaware avg.
7.7
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Dover, Delaware

Located along the mid-Atlantic coast in Kent County, Dover is a city of approximately 38,818 residents. The humid subtropical climate that characterizes this part of Delaware β€” marked by moderately hot summers and mild winters with coastal storm exposure β€” directly influences the types and severity of natural hazards present, making Dover a community where hazard awareness has real practical value.

Dover's overall natural disaster risk is rated 7.3/10 (High) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include cold wave and hurricane.

Relative to other U.S. communities, Dover's natural disaster risk is well above the U.S. national average of 4.5/10, slightly below the 7.7/10 state average. The hazard distribution here is led by coastal flood and cold wave, as measured by FEMA across Kent County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Dover residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Dover: Coastal Flooding preparedness

  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.

Local Factors for Dover

These city-level factors differentiate Dover from other communities in Kent County and provide geographic context for its hazard exposure.

Population

38,818

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 39.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.9/10

Coordinates

39.1729Β° N, 75.5952Β° W

Kent County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Dover

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Dover

Other cities in Delaware

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.