Gulf County
Florida — Natural Disaster Risk Assessment
LowComposite Risk Score
National percentile: 60th
Gulf County faces low composite natural disaster risk (NRI Risk Index score 59.5, 60th national percentile), driven primarily by hurricane and lightning exposure. Expected annual loss across all 18 hazard types is $17M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hurricane | High | 0.26 / yr | $12M |
| Lightning | Medium | 87.10 / yr | $501K |
| Wildfire | Low | 0.00 / yr | $202K |
| Coastal Flood | Medium | 3.76 / yr | $517K |
| Heat Wave | Low | 7.00 / yr | $181K |
| Tornado | Low | 0.32 / yr | $650K |
| Cold Wave | Low | 1.44 / yr | $457K |
| Riverine Flood | Very Low | 0.46 / yr | $2M |
| Earthquake | Very Low | 0.00 / yr | $23K |
| Drought | Very Low | 11.42 / yr | $89 |
| Landslide | Very Low | 0.06 / yr | $34 |
| Strong Wind | Very Low | 0.79 / yr | $71K |
| Winter Weather | Very Low | 0.21 / yr | $4K |
| Hail | Very Low | 0.48 / yr | $5K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Gulf County?
Gulf County has a composite FEMA National Risk Index score of 59.5 out of 100, placing it in the Low category and the 60th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Gulf County?
The three highest-rated hazards are Hurricane (High, $12M EAL), Lightning (Medium, $501K EAL), Wildfire (Low, $202K EAL). These account for most of the county's expected annual losses.
How does Gulf County compare to other Florida counties?
Gulf County ranks #50 of 67 Florida counties for overall natural disaster risk, with a low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Gulf County's $17M EAL is a statistical average, not a guarantee for any specific year or address.