Natural hazards · Pembina

Pembina, ND natural hazards

Most of the natural-hazard damage FEMA expects in Pembina comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 164 claims here since 1979.

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

Expected damage

How exposed is Pembina?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembina to be higher than in 37% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves36%Everything else24%

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 45% of U.S. places

Recorded about 2 times a year in the area

Cold waves

36% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 23 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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?

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

164paid claims since 1979

$1.2Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 11 claims, $72K
Late spring storms: 1 claim, $3K

of homes in flood zones
are insured

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: Pembina County.

Disasters that hit Pembina

Federal disasters declared here

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

Brought FEMA money into PembinaDeclared for Pembina County only

Pembina County has had 32 natural disasters declared since 1953, most often floods and severe storms.

Around Pembina

Pembina and the towns around it

Very lowLowModerateHighVery high

St. Vincentmostly inland floodingHigh

Pembinamostly inland floodingLow

Nechemostly inland floodingLow

Joliettemostly inland floodingLow

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pembina’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Pembina total about $1.2M 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.