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Natural hazards · Pembroke

Pembroke, NH 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. Flood insurance has paid 31 claims here since 1984. 10 federal disasters brought FEMA money into town.

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

How exposed is Pembroke?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembroke to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes12%Everything else24%
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

64% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

12% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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.

31paid claims since 1984
$861Kpaid to owners
7homes flooded more than once
19842026

Biggest named events

  • March 2010 Nor'easter: 2 claims, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Merrimack County.
Disasters that hit Pembroke

10 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 Merrimack County only
2017

Severe Storm and Flooding

$23K to the Town of Pembroke for repairs
2013

Severe Winter Storm and Snowstorm

$15K to the Town of Pembroke for repairs
2011

Tropical Storm Irene

$8K to the Town of Pembroke for repairs
2010

Severe Winter Storm

$79K to the Town of Pembroke for repairs
2008

Severe Winter Storm

$32K to the Town of Pembroke for repairs
2008

Severe Storms and Flooding

$8K to the Town of Pembroke for repairs
2007

Severe Storms and Flooding

21 households applied for aid $42K aid approved $51K to the Town of Pembroke for repairs
2006

Severe Storms and Flooding

39 households applied for aid $45K aid approved $68K to the Town of Pembroke for repairs
2005

Severe Storms and Flooding

2 households applied for aid
2005

Record And/Or Near Record Snow

$6K to the Town of Pembroke for repairs
Merrimack County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Pembroke

Pembroke and the towns around it

Concord: Moderate, mostly inland floodingAllenstown: High, mostly inland floodingBow: Low, mostly inland floodingChichester: Moderate, mostly inland floodingEpsom: High, mostly inland floodingCanterbury: Moderate, mostly inland floodingHopkinton: High, mostly inland floodingBoscawen: Moderate, mostly inland floodingLoudon: High, mostly inland floodingHooksett: Low, mostly inland floodingDeerfield: Moderate, mostly inland floodingDunbarton: Low, mostly inland floodingPittsfield: High, mostly inland floodingPembroke: High, mostly inland flooding PembrokeConcordAllenstownBowChichesterEpsom
Very lowLowModerateHighVery high
Epsommostly inland floodingHigh
Allenstownmostly inland floodingHigh
Pembrokemostly inland floodingHigh
Concordmostly inland floodingModerate
Chichestermostly inland floodingModerate
Bowmostly 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. Pembroke covers 2 census tracts, 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 $2.2M 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.

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