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Natural hazards · Pembina

Pembina, MN natural hazards

Most of the natural-hazard damage FEMA expects in Pembina comes from inland flooding, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Pembina?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembina to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves22%Drought11%Tornadoes8%Strong wind7%Hail6%Everything else5%
By hazard

What Pembina faces

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

Inland flooding

41% of expected damage
Below average · higher than 30% of U.S. places
Recorded about once every 2 years in the area

Cold waves

22% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 19 times a year in the area

Drought

11% of expected damage
Recorded about 7 times a year in the area

Tornadoes

8% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 8 years in the area

Strong wind

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Hail

6% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Pembina flood?

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

of all homes
are insured
No community discount. Pembina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mahnomen County.
Disasters that hit Pembina

3 federal disasters brought FEMA money here

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

Brought FEMA money into PembinaDeclared for Mahnomen County only
2009

Severe Storms and Flooding

$8K to the Township of Pembina for repairs
2002

Severe Storms, Flooding and Tornadoes

$19K to the Township of Pembina for repairs
2000

Severe Storms and Flooding

$3K to the Township of Pembina for repairs
Mahnomen County has had 18 natural disasters declared since 1953, most often floods and severe storms.
Around Pembina

Pembina and the towns around it

Mahnomen: Very low, mostly inland floodingRosedale: Low, mostly inland floodingFossum: Moderate, mostly cold wavesMarsh Creek: Very low, mostly inland floodingPopple Grove: Very low, mostly inland floodingLa Garde: Low, mostly inland floodingLake Grove: Low, mostly inland floodingChief: Very low, mostly inland floodingFlom: Moderate, mostly cold wavesWild Rice: Moderate, mostly cold wavesWaukon: Moderate, mostly cold wavesBejou: Very low, mostly inland floodingWaubun: Very low, mostly inland floodingSpring Creek: Moderate, mostly inland floodingWalworth: Low, mostly inland floodingPembina: Very low, mostly inland flooding PembinaMahnomenRosedaleFossumMarsh CreekPopple Grove
Very lowLowModerateHighVery high
Fossummostly cold wavesModerate
Rosedalemostly inland floodingLow
Pembinamostly inland floodingVery low
Mahnomenmostly inland floodingVery low
Marsh Creekmostly inland floodingVery low
Popple Grovemostly 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. Pembina 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 Pembina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Pembina. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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