#Help with saves co-op non dedicated server.
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There's no official way to recover the lost character. You can use debug mode to edit a new character to be like your old one, it will allow you to give yourself the gear you had and the traits and xp as long as you're an admin on the server.
https://pzwiki.net/wiki/Debug_mode
You can also back up your saves as you go, it doesn't save your lost character but in the future you can go to "%UserProfile%\Zomboid\Saves" and make a copy of the "Multiplayer" folder, that way if something happens you can use the backup by copying it back in to the "Multiplayer" folder.