On FEMA’s figures, Cuba Township faces more hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cuba Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #550 of 768 in Illinois. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 60 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 Cuba Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
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 Cuba Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Cuba Township, and Cuba Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Next is tornadoes at 7% (higher than 73% of U.S. census tracts).
C #550 of 768 in Illinois; higher expected damage per building than 70% of U.S. towns (21,298).
Cuba Township’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Cuba Township has more expected damage per building than 72% of Illinois towns.
In dollars, FEMA expects about $11.8M a year in losses across Cuba Township: $9.7M to buildings, the rest to people and crops.
Does Cuba Township flood? Sometimes: 60 flood claims since 1979
Every paid claim on a federal flood insurance policy in Cuba Township, from FEMA’s records: 8.7 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms13 claims · $346K
- Tropical Storm Erin1 claim · $44K
Cuba Township 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.1 federal disaster brought FEMA money to Cuba Township
Disasters that paid out in Cuba Township itself (aid to households or repair grants to Cuba Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$18K to Cuba Township for repairs
Lake County has had 14 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cuba Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cuba Township archive →Cuba Township and its neighbors
Cuba Township is 7th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Barrington | A−less damage than 79% | river and rain flooding | 25 |
| Ela Township | A−less damage than 78% | river and rain flooding | 22 |
| North Barrington | B+less damage than 70% | river and rain flooding | 4 |
| Deer Park | B+less damage than 69% | river and rain flooding | 4 |
| Wauconda Township | B−less damage than 55% | river and rain flooding | 31 |
| Algonquin Township | B−less damage than 52% | river and rain flooding | 192 |
| Cuba Township | Cmore damage than 70% | river and rain flooding | 60 |
| Port Barrington | Dmore damage than 94% | river and rain flooding | 57 |
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 Cuba Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Cuba Township
Is Cuba Township at risk for natural disasters?
On FEMA’s National Risk Index, Cuba Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #550 of 768 in Illinois. Most of the expected damage is river and rain flooding (90%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cuba Township flood?
Flood insurance has paid 60 claims in Cuba Township since 1979, $852K in all, or 8.7 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (13).
Is Cuba Township 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Cuba Township?
FEMA’s Community Rating System list shows no discount for Cuba Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Cuba Township?
By FEMA money that reached Cuba Township, Il-winter Storm 1/1/99 (1999): $18K to Cuba Township for repairs. By flood claims, Mid-spring storms: 13 paid, $346K.
Is Cuba Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Cuba Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cuba Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cuba Township’s 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.