Natural hazards · Cuba

Cuba, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cuba comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 60 claims here since 1979. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cuba?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cuba to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes12%Cold waves9%Everything else5%

By hazard

What Cuba faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

74% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 73% of U.S. places

Cold waves

9% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cuba flood?

Every paid claim on a federal flood insurance policy in Cuba, from FEMA’s records.

60paid claims since 1979

$852Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 13 claims, $346K
Tropical Storm Erin: 1 claim, $44K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cuba isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lake County.

Disasters that hit Cuba

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Cuba itself: aid to households, or repair grants to the Township of Cuba.

Brought FEMA money into CubaDeclared for Lake County only

1999

Il-Winter Storm 1/1/99

$18K to the Township of Cuba for repairs

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Cuba

Cuba and the towns around it

Very lowLowModerateHighVery high

Cubamostly inland floodingHigh

Port Barringtonmostly inland floodingHigh

Algonquinmostly inland floodingModerate

Waucondamostly inland floodingModerate

North Barringtonmostly inland floodingLow

Deer Parkmostly inland floodingLow

Elamostly inland floodingLow

Barringtonmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cuba covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Cuba’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cuba. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cuba total about $11.8M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.