FloodMaps
Map of FEMA flood zones in Gulf CountyTap the map to explore

County · Flood risk

Check any address in Gulf County

Quick facts

Homes on the tax roll

9,866

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Mar 2021

First flood map 1983

Flood insurance discount

20% off

Gulf County, Community Rating System Class 6

Most flood claims in one storm

957

Hurricane Michael 2018, 902 paid

Homes with water, FEMA aid

846

Aid registrations reporting water inside, Hurricane Michael 2018

Past storms in Gulf County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Gulf County
StormClaimsPaidAid, water inside
Hurricane Michael 2018957902846
Hurricane Sally 20201070

Frequently asked questions

Do I need flood insurance in Gulf County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Gulf County took effect on March 9, 2021. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Gulf County last updated?

The flood map in effect for Gulf County took effect on March 9, 2021. The county's first flood map dates to June 15, 1983.

Is there a flood insurance discount in Gulf County?

Gulf County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Gulf County the most?

By National Flood Insurance Program claims across Gulf County, the worst recent storms were Hurricane Michael 2018 (957 claims, 902 paid), Hurricane Sally 2020 (10 claims, 7 paid), and Hurricane Helene 2024 (9 claims, 6 paid). After Hurricane Michael 2018, 846 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

What causes flooding in Gulf County?

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024. Gulf County has 9,866 homes on the state tax roll.

Gulf County includes Port St. Joe and Cape San Blas on the Gulf, just east of where Hurricane Michael came ashore in 2018.

Gulf County has 9,866 homes on the state tax roll. The FEMA flood map in effect for Gulf County took effect on March 9, 2021; the county's first flood map dates to 1983. The storm that left the most flood insurance claims in the county was Hurricane Michael 2018, with 957, followed by Hurricane Sally 2020 with 10. Gulf County is in FEMA's Community Rating System at Class 6, which takes 20% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

On the Gulf coast, the worst floods come from hurricane storm surge pushed into bays, canals, and river mouths, and from heavy rain that can't drain while the tide is high. The storms we track for the Panhandle are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Sally 2020, and Hurricane Helene 2024.

Search any address in Gulf County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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