Pembina County flood history
North Dakota · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 610 flood insurance claims in Pembina County, North Dakota since 1978. The NFIP paid $3.7 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 1997, with 313, mostly from Flooding.
In the last ten years (2017–2026) there were 4 claims, and the average paid claim was $4,888.
59% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 2.3% of homes in Pembina County, North Dakota had an NFIP flood policy in FEMA's latest count (75 of 3,249 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 13% (55 of 438).
Since 2000, FEMA has made 19 flood-related disaster declarations covering Pembina County, North Dakota. The most recent was DR-4717-ND (Flooding), declared July 5, 2023.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2022 | 2 | $17,551 |
| 2019 | 2 | $2,000 |
| 2014 | 1 | $12,451 |
| 2013 | 4 | $15,513 |
| 2011 | 5 | $7,344 |
| 2010 | 28 | $173,959 |
| 2009 | 15 | $153,113 |
| 2006 | 3 | $1,893 |
| 2005 | 2 | $1,226 |
| 2004 | 1 | $1,103 |
| 2002 | 1 | $0 |
| 2001 | 1 | $598 |
| 1999 | 2 | $43,069 |
| 1998 | 1 | $0 |
| 1997 | 313 | $2.3 million |
| 1996 | 19 | $61,333 |
| 1993 | 1 | $204 |
| 1989 | 1 | $500 |
| 1982 | 1 | $0 |
| 1980 | 1 | $0 |
| 1979 | 186 | $954,216 |
| 1978 | 20 | $19,435 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1997 | 308 | $2.2 million |
| Not a named storm | 1979 | 178 | $930,287 |
| Late spring storms | 2013 | 4 | $15,513 |
| Late spring storms | 2011 | 1 | $3,344 |
| Severe flooding | 2001 | 1 | $598 |
| Midwest Flooding | 1993 | 1 | $204 |
How many homes have flood insurance
FEMA counts 75 residential NFIP policies in Pembina County, against 3,249 residential buildings (2.3%). Of the 438 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 55 have an NFIP policy (13%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4717-ND | Jul 5, 2023 | Flooding | No |
| DR-4660-ND | Jul 13, 2022 | Severe Winter Storm and Flooding | No |
| DR-4553-ND | Jul 9, 2020 | Flooding | No |
| DR-4444-ND | Jun 12, 2019 | Flooding | No |
| DR-4323-ND | Jul 12, 2017 | Flooding | No |
| DR-4128-ND | Jul 12, 2013 | Severe Storms and Flooding | No |
| DR-4118-ND | May 29, 2013 | Flooding | No |
| EM-3364-ND | Apr 26, 2013 | Flooding | No |
| DR-1981-ND | May 10, 2011 | Flooding | Yes |
| EM-3318-ND | Apr 7, 2011 | Flooding | No |
| DR-1907-ND | Apr 30, 2010 | Flooding | No |
| EM-3309-ND | Mar 14, 2010 | Flooding | No |
| DR-1829-ND | Mar 24, 2009 | Severe Storms and Flooding | Yes |
| DR-1645-ND | Jun 5, 2006 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1597-ND | Jul 22, 2005 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1515-ND | May 5, 2004 | Severe Storms, Flooding, and Ground Saturation | No |
| DR-1431-ND | Sep 10, 2002 | Severe Storms, Flooding and Tornadoes | No |
| DR-1376-ND | May 28, 2001 | Severe Storms, Flooding, & Ground Saturation | No |
| DR-1334-ND | Jun 27, 2000 | Severe Storms, Flooding and Ground Saturation | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of North Dakota.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.