Natural hazards · Pembroke

Pembroke, NC natural hazards

Most of the natural-hazard damage FEMA expects in Pembroke comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 2018. 6 federal disasters brought FEMA money into town.

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 56% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes34%Inland flooding23%Tornadoes20%Earthquakes10%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.

Hurricanes

34% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

23% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Above average · higher than 74% of U.S. places

Earthquakes

10% of expected damage

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

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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?

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

5paid claims since 2018

$284Kpaid to owners

0homes flooded more than once

20182026

Biggest named events

Hurricane Florence: 3 claims, $256K
Hurricane Debby: 1 claim, $25K

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: Robeson County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Pembroke

6 federal disasters brought FEMA money here

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

Brought FEMA money into PembrokeDeclared for Robeson County only

2018

Hurricane Florence

892 households applied for aid $622K aid approved $129K to the Town of Pembroke for repairs

2016

Hurricane Matthew

1,521 households applied for aid $1.1M aid approved $163K to the Town of Pembroke for repairs

2011

Severe Storms, Tornadoes, and Flooding

356 households applied for aid $135K aid approved $11K to the Town of Pembroke for repairs

2004

Tropical Storm Frances

208 households applied for aid $207K aid approved

2003

Hurricane Isabel

46 households applied for aid $45K aid approved

1999

Hurricane Floyd Major Disaster Declarations

$106K to the Town of Pembroke for repairs

Robeson County has had 18 natural disasters declared since 1953, most often hurricanes and severe 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 covers 1 census tract, combined by population.

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 Town 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 $2.8M 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.