Property Atlas

County hazard profile

Gulf, FL

Florida · pop. 14,176 · FIPS 12045

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$17M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Gulf $17M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 59.54/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively High 65.68/100
national median ~50 near the national middle (66th percentile)
Community resilienceRelatively Moderate 58.49/100
national median ~50 near the national middle (58th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gulf

The National Flood Insurance Program has paid 1,717 flood-insurance claims totaling $94.7M in Gulf since 1978. The costliest year was 2018 ($82.5M paid).

Flood-insurance dollars paid by year of loss

1978: $2,450 paid 1979: $415 paid 1983: $0 paid 1985: $1,135,486 paid 1988: $1,445 paid 1989: $0 paid 1990: $57,083 paid 1991: $2,244 paid 1993: $146,501 paid 1994: $495,071 paid 1995: $4,849,713 paid 1996: $37,584 paid 1997: $5,017 paid 1998: $1,357,796 paid 1999: $7,224 paid 2000: $0 paid 2001: $30,821 paid 2002: $29,133 paid 2003: $0 paid 2004: $963,115 paid 2005: $1,996,894 paid 2008: $367,117 paid 2009: $101,028 paid 2015: $106,303 paid 2016: $14,275 paid 2017: $62,521 paid 2018: $82,542,182 paid 2019: $0 paid 2020: $74,229 paid 2021: $33,351 paid 2023: $50,118 paid 2024: $265,285 paid 2018 · $82.5M 1978 2024
$94.7M
total paid
$55,174
average claim
$681K
largest single claim
74%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Gulf, FL and where it ranks among U.S. counties. It is not a verdict on whether Gulf is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.