Natural Disaster Risk in Dover
Florida
Risk Summary for Dover
Dover scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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, Florida
Dover, in Hillsborough County, is a city of approximately 17,364 residents situated in the Deep South. Its tropical climate brings warm temperatures year-round and high humidity, and in particular a June–November hurricane season that defines the risk landscape. These conditions collectively define the natural hazard environment that Dover residents and property owners must navigate.
According to FEMA's National Risk Index, Dover carries an overall risk score of 7.5/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to hurricane and lightning.
Within Florida, Dover's risk is, considerably above the 5.7/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Hillsborough County identifies cold wave as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Dover residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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: Cold Wave preparedness
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Dover
These city-level factors differentiate Dover from other communities in Hillsborough County and provide geographic context for its hazard exposure.
Population
17,364
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 28.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.6/10
Coordinates
27.9757° N, 82.2138° W
Hillsborough 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 · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Dover
Other cities in Florida
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.