🌍 ClimateRiskCheck

Natural Disaster Risk in Pembroke

Kentucky

6.7out of 10
High Risk

Risk Summary for Pembroke

Pembroke scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Tornado Ice Storm

All 18 Hazard Scores

Earthquake
9.5
Tornado
9.2
Ice Storm
8.8
Lightning
8.3
Drought
8.2
Winter Weather
8.1
Extreme Heat
7.9
Hail
7.5
Strong Wind
7.3
Cold Wave
6.9
Hurricane
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.6
Wildfire
2.5
Riverine Flooding
1.0

How it compares

Pembroke
6.7
Kentucky avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Pembroke, Kentucky

Located in the interior eastern United States in Christian County, Pembroke is a town of roughly 2,956 residents. The humid subtropical climate that characterizes this part of Kentucky β€” marked by hot, humid summers and cold winters with ice storm risk β€” directly influences the types and severity of natural hazards present, making Pembroke a community where hazard awareness has real practical value.

FEMA rates Pembroke's composite natural disaster risk at 6.7 out of 10 β€” high risk. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. Residents should also account for tornado and ice storm risk in their preparedness planning.

Relative to other U.S. communities, Pembroke's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.5/10 state average. The hazard distribution here is led by earthquake and tornado, as measured by FEMA across Christian County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Pembroke residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Pembroke: Earthquake preparedness

  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.

Local Factors for Pembroke

These city-level factors differentiate Pembroke from other communities in Christian County and provide geographic context for its hazard exposure.

Population

2,956

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.5/10

Coordinates

36.7656Β° N, 87.3601Β° W

Christian County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Pembroke

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Pembroke

Other cities in Kentucky

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.