Sage Inn · Photo: 25or6to4 · CC BY-SA 4.0On FEMA’s figures, Dover Township faces more hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dover Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 9 claims here since 1993.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Dover Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Wildfire
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Dover Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Dover Township, and Dover Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Wildfire adds 7%, at a rate in the top 6% of U.S. census tracts.
C higher expected damage per building than 70% of U.S. towns (21,298).
All of Dover Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $770K a year in losses across Dover Township: $514K to buildings, the rest to people and crops.
Does Dover Township flood? Rarely: 9 flood claims since 1993
Every paid claim on a federal flood insurance policy in Dover Township, from FEMA’s records: 14.9 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding3 claims · $17K
Dover Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Shawnee County.3 federal disasters brought FEMA money to Dover Township
Disasters that paid out in Dover Township itself (aid to households or repair grants to Dover Township), newest first, with that year’s flood claims.
- 2009Severe Winter Storms and Snowstorm$25K to Dover Township for repairs
- 2007Severe Storms, Tornadoes, and Flooding2 households applied for aid$2K aid approved$36K to Dover Township for repairs
- 2004Severe Storms, Flooding, and Tornadoes$14K to Dover Township for repairs
Shawnee County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dover Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dover Township archive →Dover Township and its neighbors
Dover Township is 5th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mission Township | C+more damage than 59% | river and rain flooding | 17 |
| Silver Lake Township | C+more damage than 59% | river and rain flooding | — |
| Rossville Township | C+more damage than 59% | river and rain flooding | — |
| Auburn Township | Cmore damage than 70% | river and rain flooding | — |
| Dover Township | Cmore damage than 70% | river and rain flooding | 9 |
| Maple Hill Township | Dmore damage than 88% | river and rain flooding | — |
| Mission Creek Township | — | 659 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Dover Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Dover Township
Is Dover Township at risk for natural disasters?
On FEMA’s National Risk Index, Dover Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dover Township flood?
Flood insurance has paid 9 claims in Dover Township since 1993, $140K in all, or 14.9 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (3).
Is Dover Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Shawnee County, 24% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Dover Township?
FEMA’s Community Rating System list shows no discount for Dover Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Dover Township?
By FEMA money that reached Dover Township, Severe Storms, Tornadoes, and Flooding (2007): 2 households applied for aid, $2K approved, and $36K to Dover Township for repairs. By flood claims, Midwest Flooding: 3 paid, $17K.
Is Dover Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Dover Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dover Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dover Township’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.