Photo: LittleT889 · CC BY-SA 4.0On FEMA’s figures, Pembroke Pines faces more hazard damage per building than 76% of U.S. towns, and 597 flood claims have been paid there
On FEMA’s National Risk Index, Pembroke Pines gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns, #259 of 638 in Florida. Most of that expected damage is hurricanes (50%), then river and rain flooding (47%). Flood insurance has paid 597 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Pembroke Pines’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Pembroke Pines faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Pembroke Pines’ grade
Hurricanes are 50% of the building damage FEMA expects in Pembroke Pines, and Pembroke Pines’ rate of hurricanes damage is in the top 8% of U.S. census tracts. Wildfire adds 2%, at a rate in the top 10% of U.S. census tracts.
C− #259 of 638 in Florida; higher expected damage per building than 76% of U.S. towns (21,298).
Pembroke Pines’ residents live in 35 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Pembroke Pines has less expected damage per building than 59% of Florida towns.
Among the 400 U.S. cities of 100,000 or more, Pembroke Pines has higher expected damage per building than 68% (#273 of 400). Because it is so big, its total expected yearly loss, $47.0M, is the 262th largest of those 400.
Does Pembroke Pines flood? Yes: 597 flood claims since 1979
Every paid claim on a federal flood insurance policy in Pembroke Pines, from FEMA’s records: 8.9 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene290 claims · $1.2M
- Hurricane Eta59 claims · $684K
- Hurricane Wilma34 claims · $593K
Pembroke Pines is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Broward County.13 federal disasters brought FEMA money to Pembroke Pines
Disasters that paid out in Pembroke Pines itself (aid to households or repair grants to the City of Pembroke Pines), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding248 households applied for aid$119K aid approved2 flood claims paid that year
- 2022Hurricane Ian1 households applied for aid$700 aid approved$19K to the City of Pembroke Pines for repairs
- 2019Hurricane Dorian$188K to the City of Pembroke Pines for repairs
- 2017Hurricane Irma21,737 households applied for aid$6.3M aid approved$6.1M to the City of Pembroke Pines for repairs24 flood claims paid for it, $401K
- 2016Hurricane Matthew$184K to the City of Pembroke Pines for repairs
- 2008Tropical Storm Fay$18K to the City of Pembroke Pines for repairs4 flood claims paid that year
Show all 13
- 2005Hurricane Wilma11,208 households applied for aid$3.9M aid approved$28.7M to the City of Pembroke Pines for repairs34 flood claims paid for it, $593K
- 2005Tropical Storm Rita$7K to the City of Pembroke Pines for repairs
- 2005Hurricane Katrina$1.4M to the City of Pembroke Pines for repairs
- 2004Hurricane Jeanne1 households applied for aid$3K aid approved$52K to the City of Pembroke Pines for repairs
- 2004Hurricane Frances273 households applied for aid$126K aid approved$542K to the City of Pembroke Pines for repairs9 flood claims paid for it, $34K
- 1999Fl-hurricane Irene-dr-req$92K to the City of Pembroke Pines for repairs290 flood claims paid for it, $1.2M
- 1999Hurricane Floyd Emergency Declarations$11K to the City of Pembroke Pines for repairs
Broward County has had 32 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Broward County, 1999–1999.
Old photos of Pembroke Pines after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pembroke Pines archive →Pembroke Pines and its neighbors
Pembroke Pines has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pembroke Pines | C−more damage than 76% | hurricanes | 597 |
| Miramar | C−more damage than 78% | hurricanes | 653 |
| Hollywood | C−more damage than 84% | river and rain flooding | 2,470 |
| Southwest Ranches | C−more damage than 84% | river and rain flooding | 41 |
| Davie | Dmore damage than 89% | river and rain flooding | 589 |
| Cooper City | Dmore damage than 91% | river and rain flooding | 230 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Pembroke Pines faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
- Pembroke Pines residents get 25% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Pembroke Pines
Is Pembroke Pines at risk for natural disasters?
On FEMA’s National Risk Index, Pembroke Pines has higher expected damage per building than 76% of U.S. towns: C− for hazard risk, #259 of 638 in Florida. Most of the expected damage is hurricanes (50%) and river and rain flooding (47%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pembroke Pines flood?
Flood insurance has paid 597 claims in Pembroke Pines since 1979, $4.9M in all, or 8.9 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record. 15 properties have flooded more than once. The most claims came from Hurricane Irene (290).
Is Pembroke Pines in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Broward County, 76% of homes in mapped flood zones carry federal flood insurance, and 19.2% of all homes do.
How much is flood insurance in Pembroke Pines?
Pembroke Pines is in FEMA’s Community Rating System (class 5), which takes 25% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Pembroke Pines?
By FEMA money that reached Pembroke Pines, Hurricane Wilma (2005): 11,208 households applied for aid, $3.9M approved, and $28.7M to the City of Pembroke Pines for repairs. By flood claims, Hurricane Irene: 290 paid, $1.2M.
Is Pembroke Pines at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (50%), and Pembroke Pines’ rate for it is in the top 8% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pembroke Pines.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pembroke Pines’ residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.