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B+Hazard risk
Natural hazards in Cuba · FEMA

FEMA expects less hazard damage per building in Cuba than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Cuba gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then tornadoes (18%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 56%Tornadoes 18%Hail 11%

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

less than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Illinois · lower than 70% of U.S. towns
Main hazard
River and rain flooding
56% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 17 declared for Fulton County
By hazard

What Cuba 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

56%of expected building damage
Below average · lower than 75% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 14 years in the area

Hail

11%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

7%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Ice storms Lightning Winter storms Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 15% of Cuba’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

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

What’s behind Cuba’s grade

River and rain flooding is 56% of the building damage FEMA expects in Cuba, and Cuba’s rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 9% of U.S. census tracts.

Where Cuba sits
Cuba
Least damageMiddleMost damage

B+ lower expected damage per building than 70% of U.S. towns (21,298).

All of Cuba’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding56%Tornadoes18%Hail11%Everything else14%

In dollars, FEMA expects about $751K a year in losses across Cuba: $473K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Severe Storms, Tornadoes, Straight-line Winds, and Floodng in 2024, FEMA took 173 aid registrations from Cuba addresses (the town has 521 homes).
Shared tract.All of Cuba’s 1,184 residents (2020 census) live in one census tract, which it shares with Bryant village (168 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Cuba flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cuba. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

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

6 federal disasters brought FEMA money to Cuba

Disasters that paid out in Cuba itself (aid to households or repair grants to the City of Cuba), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng173 households applied for aid$1.1M aid approved
  2. 2013Severe Storms, Straight-line Winds, and Flooding55 households applied for aid$63K aid approved$4K to the City of Cuba for repairs
  3. 2011Severe Winter Storm and Snowstorm$3K to the City of Cuba for repairs
  4. 2006Snow$3K to the City of Cuba for repairs
  5. 2000Illinois Winter Snow Storms$1K to the City of Cuba for repairs
  6. 1999Il-winter Storm 1/1/99$2K to the City of Cuba for repairs
Disasters declared, by decade
Paid out in CubaFulton County only

Fulton County has had 17 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Cuba after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Cuba archive →
Be ready

Get ready for what Cuba faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Cuba

Is Cuba at risk for natural disasters?

On FEMA’s National Risk Index, Cuba has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (56%) and tornadoes (18%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Cuba 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 Fulton County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Cuba?

FEMA’s Community Rating System list shows no discount for Cuba’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?

By FEMA money that reached Cuba, Severe Storms, Tornadoes, Straight-line Winds, and Floodng (2024): 173 households applied for aid, $1.1M approved.

Is Cuba at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (56%), and Cuba’s rate for it is lower than 75% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Cuba.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cuba’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.