Less hazard damage per building is expected in Cuba City than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cuba City gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then tornadoes (20%). FEMA’s files show no paid flood insurance claims here.
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 stands out about Cuba City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Cuba City 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
Hail
Strong wind
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 City’s grade
River and rain flooding is 62% of the building damage FEMA expects in Cuba City, and Cuba City’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 10% of U.S. census tracts.
A lower expected damage per building than 85% of U.S. towns (21,298).
Cuba City’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $872K a year in losses across Cuba City: $447K to buildings, the rest to people and crops.
Does Cuba City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cuba City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cuba City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grant County.4 federal disasters brought FEMA money to Cuba City
Disasters that paid out in Cuba City itself (aid to households or repair grants to the City of Cuba City), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$6K to the City of Cuba City for repairs
- 2010Severe Storms, Tornadoes, and Flooding27 households applied for aid$60K aid approved$8K to the City of Cuba City for repairs
- 2008Severe Storms, Tornadoes, and Flooding10 households applied for aid$25K aid approved$3K to the City of Cuba City for repairs
- 2004Severe Storms and Flooding3 households applied for aid$1K aid approved
Grant County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cuba City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cuba City archive →Cuba City and its neighbors
Cuba City has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cuba City | Aless damage than 85% | river and rain flooding | 0 |
| Benton | — | 445 residents; we grade 1,000+ | |
| Smelser | — | 743 residents; we grade 1,000+ | |
| Hazel Green | — | 950 residents; we grade 1,000+ | |
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 City 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 City
Is Cuba City at risk for natural disasters?
On FEMA’s National Risk Index, Cuba City has lower expected damage per building than 85% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (62%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cuba City 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 Grant County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Cuba City?
FEMA’s Community Rating System list shows no discount for Cuba City’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 City?
By FEMA money that reached Cuba City, Severe Storms, Tornadoes, and Flooding (2010): 27 households applied for aid, $60K approved, and $8K to the City of Cuba City for repairs.
Is Cuba City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Cuba City’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cuba City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cuba City’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.