Natural hazards · Pembroke

Pembroke, IL natural hazards

Most of the natural-hazard damage FEMA expects in Pembroke comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Pembroke?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembroke to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves23%Tornadoes11%Everything else10%

By hazard

What Pembroke faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

57% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 23 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Pembroke flood?

Every paid claim on a federal flood insurance policy in Pembroke, from FEMA’s records.

8paid claims since 1979

$56Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pembroke isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kankakee County.

Disasters that hit Pembroke

Federal disasters declared here

None of the disasters declared for Kankakee County shows FEMA aid or repair money reaching Pembroke itself in FEMA’s records.

Brought FEMA money into PembrokeDeclared for Kankakee County only

Kankakee County has had 5 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Pembroke

Pembroke and the towns around it

Very lowLowModerateHighVery high

Ganeermostly inland floodingVery high

Beavervillemostly inland floodingHigh

Pembrokemostly inland floodingModerate

Lakemostly inland floodingLow

St. Annemostly inland floodingLow

McClellanmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Pembroke covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pembroke’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pembroke. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Pembroke total about $760K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.