Dover, FL
Dover wildfire risk explained
Dover sits at the 80th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,350 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Dover's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Dover's building exposure, zone by zone
Of Dover's 1,350 counted buildings, 60.9% carry Direct exposure and only 0.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Dover ranks
Inside Florida, Dover sits at just the 49th percentile even though it scores 80th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Dover ranks 6,235 for wildfire risk (1 is highest) and 9,827 by building count (1 is largest). Within Florida alone, it ranks 491 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Dover
Dover's 80th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 60.9% of Dover in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Dover's 6,235-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Dover, see the exposure-zones guide.