Natural hazards · Havana

Havana, IL natural hazards

Most of the natural-hazard damage FEMA expects in Havana comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 56 claims here since 1993. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Havana?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Havana to be higher than in 77% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves15%Tornadoes10%Earthquakes5%Everything else12%

By hazard

What Havana faces

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

Inland flooding

58% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 94% of U.S. places

Earthquakes

5% of expected damage

Above average · higher than 74% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Havana flood?

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

56paid claims since 1993

$317Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

What’s been done with FEMA grants

53flood-prone properties bought out and cleared

Disasters that hit Havana

5 federal disasters brought FEMA money here

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

Brought FEMA money into HavanaDeclared for Mason County only

2013

Severe Storms, Straight-Line Winds, and Flooding

15 households applied for aid $20K aid approved

2011

Severe Winter Storm and Snowstorm

$7K to the City of Havana for repairs

2006

Snow

$8K to the City of Havana for repairs

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid

1999

Il-Winter Storm 1/1/99

$3K to the City of Havana for repairs

Mason County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Havana

Havana and the towns around it

Very lowLowModerateHighVery high

Havanamostly inland floodingHigh

Waterfordmostly inland floodingLow

Isabelmostly inland floodingLow

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. Havana covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Havana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Havana. 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 Havana total about $2.6M 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.