Pembina County, North Dakota: hazard risk
FEMA rates Pembina County's overall risk Very Low (score 20.9 of 100, higher than 20% of rated U.S. counties). Its storm record holds 789 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 81.7 | $195K |
| Ice Storm | Relatively Moderate | 78.2 | $304K |
| Cold Wave | Relatively Moderate | 72.0 | $2.0M |
| Wildfire | Relatively Low | 63.9 | $96K |
| Hail | Relatively Low | 57.3 | $296K |
| Lightning | Relatively Low | 42.3 | $150K |
| Drought | Relatively Low | 31.9 | $27K |
| Strong Wind | Relatively Low | 28.8 | $240K |
| Landslide | Very Low | 34.6 | $377 |
| Riverine Flooding | Very Low | 28.7 | $2.9M |
| Tornado | Very Low | 21.3 | $226K |
| Heat Wave | Very Low | 11.9 | $21K |
| Earthquake | Very Low | 2.3 | $2K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 235 | 0 | $2.7M | 17th of 53 | 1633rd of 3,080 |
| Winter storms | 175 | 2 | $23M | 9th of 53 | 1055th of 3,077 |
| Severe thunderstorm wind | 134 | 0 | $5.0M | 20th of 53 | 2456th of 3,080 |
| Extreme cold | 89 | 0 | $80K | 9th of 53 | 260th of 3,076 |
| Floods | 56 | 0 | $57M | 5th of 53 | 1652nd of 3,080 |
| Tornadoes | 43 | 0 | $2.9M | 16th of 53 | 1829th of 3,080 |
| High wind and dust storms | 26 | 0 | $103K | 50th of 53 | 1729th of 3,080 |
| Drought | 13 | 0 | – | 16th of 53 | 1942nd of 3,063 |
| Heat | 2 | 0 | – | 16th of 53 | 2222nd of 3,076 |
| Lightning | 2 | 0 | $37K | 18th of 53 | 1975th of 3,080 |
| Heavy rain | 1 | 0 | – | 31st of 53 | 2265th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Pembina County record: every hazard by year and month, the deadliest events and FEMA's declarations.