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Natural hazards · Pembroke

Pembroke, NY natural hazards

Most of the natural-hazard damage FEMA expects in Pembroke comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Pembroke?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembroke to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding73%Lightning5%Everything else22%
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

73% of expected damage
Above average · higher than 61% of U.S. places
Recorded about once a year in the area

Lightning

5% of expected damage
Below average · higher than 26% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

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?

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

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: Genesee County.
Disasters that hit Pembroke

4 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 Genesee County only
2014

Severe Winter Storm, Snowstorm, and Flooding

$37K to the Town of Pembroke for repairs
2006

Severe Storms and Flooding

$63K to the Town of Pembroke for repairs
2001

Snow

$12K to the Town of Pembroke for repairs
1999

Snow

$6K to the Town of Pembroke for repairs
Genesee County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.
Around Pembroke

Pembroke and the towns around it

Alabama: Moderate, mostly inland floodingBatavia: Low, mostly inland floodingNewstead: Low, mostly inland floodingDarien: Low, mostly inland floodingShelby: Very low, mostly inland floodingOakfield: Very low, mostly inland floodingRoyalton: Very low, mostly inland floodingBarre: Very low, mostly inland floodingStafford: Very low, mostly inland floodingAlexander: Low, mostly inland floodingBethany: Very low, mostly inland floodingElba: Very low, mostly inland floodingClarence: Low, mostly inland floodingAlden: Very low, mostly inland floodingBennington: Low, mostly inland floodingPembroke: Low, mostly inland flooding PembrokeAlabamaBataviaNewsteadDarien
Very lowLowModerateHighVery high
Alabamamostly inland floodingModerate
Newsteadmostly inland floodingLow
Pembrokemostly inland floodingLow
Bataviamostly inland floodingLow
Darienmostly 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 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 $896K 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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