Property Atlas

County hazard profile

Pembina, ND

North Dakota · pop. 6,825 · FIPS 38067

Very Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$6M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Pembina $6M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 20.93/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively Moderate 58.37/100
national median ~50 near the national middle (58th percentile)
Community resilienceRelatively Low 31.87/100
national median ~50 lower than most counties (32nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Pembina

The National Flood Insurance Program has paid 610 flood-insurance claims totaling $3.7M in Pembina since 1978. The costliest year was 1997 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1978: $19,435 paid 1979: $954,216 paid 1980: $0 paid 1982: $0 paid 1989: $500 paid 1993: $204 paid 1996: $61,333 paid 1997: $2,254,368 paid 1998: $0 paid 1999: $43,069 paid 2001: $598 paid 2002: $0 paid 2004: $1,103 paid 2005: $1,226 paid 2006: $1,893 paid 2009: $153,113 paid 2010: $173,959 paid 2011: $7,344 paid 2013: $15,513 paid 2014: $12,451 paid 2019: $2,000 paid 2022: $17,551 paid 1997 · $2.3M 1978 2022
$3.7M
total paid
$6,098
average claim
$94K
largest single claim
27%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Pembina, ND and where it ranks among U.S. counties. It is not a verdict on whether Pembina is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.