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B

Gulf, FL

Flood Risk Score: 32/100 · Rank #21 of 3,277 counties

Gulf County in Florida has 30 FEMA disaster declarations on record covering 1995–2024, most recently Hurricane Helene on Sep 28, 2024 (DR-4828). Its flood risk grade is B (Moderate risk), ranking #21 of 3,277 U.S. counties, with 146 NFIP flood insurance claims totaling $11,789,608 in payouts. Flood risk is relatively low compared to the national average.

32
Risk Score
146
NFIP Claims
$11,789,608
Total Payouts
30
Disasters
$80,751
Avg Claim
146
Active Policies

FEMA Disaster Declarations in Gulf County

The 25 most recent federally declared disasters affecting Gulf County, FL (1995–2024). Total declarations on record: 30.

DeclaredIncident TypeTitleFEMA Disaster #
Sep 28, 2024HurricaneHurricane HeleneDR-4828
Aug 31, 2023HurricaneHurricane IdaliaDR-4734
Dec 13, 2022HurricaneHurricane NicoleDR-4680
Sep 29, 2022HurricaneHurricane IanDR-4673
Sep 24, 2022HurricaneTropical Storm IanDR-3584
Aug 16, 2021HurricaneTropical Storm FredDR-3562
Sep 23, 2020HurricaneHurricane SallyDR-4564
Sep 15, 2020HurricaneHurricane SallyDR-3546
Aug 30, 2019HurricaneHurricane Dorian DR-3419
Oct 11, 2018HurricaneHurricane MichaelDR-4399
Oct 9, 2018HurricaneHurricane MichaelDR-3405
Sep 10, 2017HurricaneHurricane IrmaDR-4337
Sep 5, 2017HurricaneHurricane IrmaDR-3385
Oct 18, 2012HurricaneHurricane IsaacDR-4084
Oct 27, 2008HurricaneHurricane GustavDR-1806
Sep 5, 2005HurricaneHurricane Katrina EvacuationDR-3220
Aug 28, 2005HurricaneHurricane KatrinaDR-1602
Jul 10, 2005HurricaneHurricane DennisDR-1595
Sep 16, 2004HurricaneHurricane IvanDR-1551
Sep 4, 2004HurricaneHurricane FrancesDR-1545
Aug 13, 2004HurricaneTropical Storm Bonnie and Hurricane CharleyDR-1539
Sep 28, 1998HurricaneHurricane Georges DR-1249
Sep 25, 1998HurricaneHurricane GrorgesDR-3131
Sep 4, 1998Hurricane Hurricane EarlDR-1241
Oct 4, 1995HurricaneHurricane OpalDR-1069

Score Breakdown

The composite score of 32 is calculated from four weighted factors. See our methodology for details.

Claims Density
40%
1
Disaster Frequency
25%
64
Claim Severity
20%
1
Year-over-Year Trend
15%
100

Other Counties in Florida

CountyGradeScoreClaimsDisasters
PascoB321.1K23
CharlotteB321.4K21
EscambiaB3243928
Santa RosaB3224829
BrowardB331.4K26
VolusiaB331.3K22
View All Counties in Florida

Frequently Asked Questions

How many FEMA disaster declarations does Gulf County, FL have?

Gulf County, FL has 30 federal disaster declarations on FEMA record (1995–2024). The 5 most recent are: Hurricane Helene (declared Sep 28, 2024, DR-4828); Hurricane Idalia (declared Aug 31, 2023, DR-4734); Hurricane Nicole (declared Dec 13, 2022, DR-4680); Hurricane Ian (declared Sep 29, 2022, DR-4673); Tropical Storm Ian (declared Sep 24, 2022, DR-3584). Counts include flood, severe storm, hurricane, and coastal storm declarations from the OpenFEMA DisasterDeclarationsSummaries dataset.

What is the flood risk grade for Gulf County, FL?

Gulf County is graded B (composite score 32/100, moderate risk). It ranks #21 of 3,277 U.S. counties for flood risk in our scoring model. The grade combines NFIP claims density (40%), disaster frequency (25%), claim severity (20%), and year-over-year trend (15%).

How many NFIP flood insurance claims have been filed in Gulf County?

146 NFIP flood insurance claims have been filed in Gulf County, FL, totaling $11,789,608 in payouts. The average claim is $80,751. Source: FEMA FimaNfipClaims v2 dataset.

Has Gulf County, FL had any recent flood disasters?

Yes. The most recent FEMA declaration affecting Gulf County was Hurricane Helene on Sep 28, 2024 (DR-4828). The county has 30 declared disasters in the OpenFEMA record covering 1995–2024.

this entity is one of the data points covered by this site’s U.S. flood risk, NFIP claims, and disaster declarations dataset. The detail above comes directly from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims; the context that follows situates the headline numbers against the broader distribution across U.S. ZIPs, counties, and states.

The methodology behind every numeric value on this page is publicly documented on the FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims portal and described in detail on this site’s methodology page. Refresh cadence varies by underlying series; the page surfaces the as-of date for each number so readers can trace any figure back to the source release.

For readers using this page as a decision input, the related-entity pages elsewhere on the site provide the comparison set. The most useful comparison for this entity is typically a peer within U.S. ZIPs, counties, and states with similar size, similar exposure, or similar geography — not the national-level summary alone.

Source: FEMA OpenFEMA datasets, 2026.