Natural hazards · Pembroke

Pembroke, VA 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 4 claims here since 1995. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pembroke?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pembroke to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding85%Cold waves6%Everything else8%

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

85% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingHeat wavesDroughtTsunamisVolcanic 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.

4paid claims since 1995

$34Kpaid to owners

0homes flooded more than once

19952026

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: Giles County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Pembroke

3 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 Giles County only

2024

Tropical Storm Helene

67 households applied for aid $497K aid approved

2004

Severe Storms and Flooding From the Remanants of Hurricane Jeanne

5 households applied for aid $6K aid approved

2003

Severe Storms and Flooding

5 households applied for aid $1K aid approved

Giles County has had 19 natural disasters declared since 1953, most often severe storms and hurricanes.

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 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 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.

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.