Is Pembina County, ND in a flood zone?
FEMA's National Risk Index puts Pembina County's flood hazard at the 28.7th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.8 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Pembina County
Out of 438 homes FEMA counts inside Pembina County's mapped flood zone, 55 carry the flood policy federal law requires there — 12.6% compliance, short of full coverage. Across all residential structures in Pembina County, not just the ones FEMA mandates, 2.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Pembina County against the rest of the country
Pembina County sits at rank 2294 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2694 of 3144 by population (1 is biggest). Pembina County, North Dakota covers 1,118.535 square miles and counts roughly 6,588 residents.
Your street may differ from Pembina County's average
75 of Pembina County's 3,249 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Pembina County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.