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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 135 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Pembina?

37
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.

135paid claims since 1978
$779Kpaid to owners
2homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 5 claims, $29K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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.

What’s been done with FEMA grants

23flood-prone properties bought out and cleared
Disasters that hit Pembina

10 federal disasters brought FEMA money here

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

Brought FEMA money into PembinaDeclared for Pembina County only
2023

Flooding

$11K to the City of Pembina for repairs
2022

Severe Winter Storm and Flooding

$86K to the City of Pembina for repairs
2011

Flooding

$35K to the City of Pembina for repairs
2010

Flooding

$24K to the City of Pembina for repairs
2009

Severe Storms and Flooding

10 households applied for aid $523 aid approved $88K to the City of Pembina for repairs
2006

Severe Storms, Flooding, and Ground Saturation

$21K to the City of Pembina for repairs
2005

Severe Storms, Flooding, and Ground Saturation

$16K to the City of Pembina for repairs
2004

Severe Storms, Flooding, and Ground Saturation

$2K to the City of Pembina for repairs
2001

Severe Storms, Flooding, & Ground Saturation

$14K to the City of Pembina for repairs
1999

Severe Storms, Flooding, Snow, Ice, Ground Saturation, Lanslides, Mudslides, and Tor

$4K to the City of Pembina for repairs
Pembina County has had 32 natural disasters declared since 1953, most often floods 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. 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 City 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/18 · 2025-01-01
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