Natural hazards · Pembroke

Pembroke, KY natural hazards

Most of the natural-hazard damage FEMA expects in Pembroke comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pembroke?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembroke to be higher than in 69% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding40%Earthquakes23%Tornadoes16%Drought7%Everything else14%

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

40% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

23% of expected damage

Well above average · higher than 84% of U.S. places

Tornadoes

16% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 12 years in the area

Drought

7% of expected damage

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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?

FEMA's records show no paid flood insurance claims in Pembroke.

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: Christian County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Pembroke

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Pembroke itself: aid to households, or repair grants to the City of Pembroke.

Brought FEMA money into PembrokeDeclared for Christian County only

2025

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

4 households applied for aid $10K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, Landslides, and Mudslides

42 households applied for aid $37K aid approved

2021

Severe Storms, Straight-Line Winds, Flooding, and Tornadoes

93 households applied for aid $146K aid approved $113K to the City of Pembroke for repairs

2008

Severe Storms, Tornadoes, Straight-Line Winds, and

2 households applied for aid

Christian County has had 22 natural disasters declared since 1953, most often severe storms and winter storms.

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.