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 low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cuba?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cuba to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes15%Cold waves15%Hail7%Earthquakes7%Heat waves6%Everything else10%

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

40% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 14 years in the area

Cold waves

15% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Hail

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 68% of U.S. places

Heat waves

6% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireLandslidesLightningDrought

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?

FEMA's records show no paid flood insurance claims in Cuba.

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: Fulton County.

Disasters that hit Cuba

6 federal disasters brought FEMA money here

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

Brought FEMA money into CubaDeclared for Fulton County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

173 households applied for aid $1.1M aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

55 households applied for aid $63K aid approved $4K to the City of Cuba for repairs

2011

Severe Winter Storm and Snowstorm

$3K to the City of Cuba for repairs

2006

Snow

$3K to the City of Cuba for repairs

2000

Illinois Winter Snow Storms

$1K to the City of Cuba for repairs

1999

Il-Winter Storm 1/1/99

$2K to the City of Cuba for repairs

Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.