How much flood risk does Gulf County actually carry?
Gulf County lands at the 61.6th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.8 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Gulf County's flood-insurance compliance gap
Out of 3,403 homes FEMA counts inside Gulf County's mapped flood zone, 1,319 carry the flood policy federal law requires there — 38.8% compliance, short of full coverage. Across all residential structures in Gulf County, not just the ones FEMA mandates, 19.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Gulf County ranks
Gulf County sits at rank 1262 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2045 of 3144 by population (1 is biggest). About 15,876 people live in Gulf County, Florida, spread over 553.467 square miles.
Checking a specific address in Gulf County
1,610 of Gulf County's 8,319 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Gulf County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.