Gulf County, Florida: hazard risk
FEMA rates Gulf County's overall risk Relatively Low (score 59.5 of 100, higher than 59% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by hurricane. Its storm record holds 317 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively High | 93.4 | $12M |
| Lightning | Relatively Moderate | 75.4 | $501K |
| Coastal Flooding | Relatively Moderate | 61.6 | $517K |
| Wildfire | Relatively Low | 74.2 | $202K |
| Heat Wave | Relatively Low | 39.0 | $181K |
| Tornado | Relatively Low | 38.1 | $650K |
| Cold Wave | Relatively Low | 36.0 | $457K |
| Riverine Flooding | Very Low | 25.2 | $2.4M |
| Earthquake | Very Low | 19.4 | $23K |
| Drought | Very Low | 13.4 | $89 |
| Landslide | Very Low | 12.5 | $34 |
| Strong Wind | Very Low | 11.4 | $71K |
| Winter Weather | Very Low | 6.8 | $4K |
| Hail | Very Low | 3.3 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 79 | 0 | $1.6M | 49th of 67 | 2059th of 3,080 |
| Drought | 51 | 0 | – | 6th of 67 | 903rd of 3,063 |
| Hurricanes and tropical storms | 51 | 4 | $617M | 6th of 67 | 76th of 1,849 |
| Tornadoes | 28 | 0 | $5.6M | 40th of 67 | 722nd of 3,080 |
| Floods | 27 | 0 | $198M | 31st of 67 | 1772nd of 3,080 |
| Hail | 26 | 0 | – | 55th of 67 | 2623rd of 3,080 |
| Heat | 22 | 0 | – | 3rd of 67 | 1002nd of 3,076 |
| Rip currents and high surf | 8 | 6 | $8K | 19th of 67 | 88th of 2,080 |
| Extreme cold | 6 | 0 | $101K | 31st of 67 | 2233rd of 3,076 |
| Wildfires | 5 | 0 | – | 24th of 67 | 304th of 2,972 |
| Heavy rain | 4 | 0 | – | 46th of 67 | 1094th of 3,080 |
| Winter storms | 4 | 0 | $1.2M | 27th of 67 | 3003rd of 3,077 |
| Lightning | 2 | 2 | – | 57th of 67 | 1483rd of 3,080 |
| High wind and dust storms | 1 | 0 | $5K | 47th of 67 | 2888th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Gulf County record: every hazard by year and month, the deadliest events and FEMA's declarations.