Natural hazards · Gulfport

Gulfport, FL natural hazards

Most of the natural-hazard damage FEMA expects in Gulfport comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 629 claims here since 1979. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Gulfport?

49
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gulfport to be higher than in 49% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes38%Inland flooding20%Coastal flooding13%Tornadoes12%Cold waves10%Everything else7%
By hazard

What Gulfport faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

38% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 5 years in the area

Inland flooding

20% of expected damage
Well below average · higher than 6% of U.S. places
Recorded about 2 times a year in the area

Coastal flooding

13% of expected damage
Well above average · higher than 98% of U.S. places

Tornadoes

12% of expected damage
Above average · higher than 55% of U.S. places

Cold waves

10% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 3 times a year in the area

Lower here

HailHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Gulfport flood?

Every paid claim on a federal flood insurance policy in Gulfport, from FEMA’s records.

629paid claims since 1979
$74.6Mpaid to owners
34homes flooded more than once
19792026

Biggest named events

  • Hurricane Helene: 400 claims, $71.3M
  • Hurricane Elena: 70 claims, $351K
  • Hurricane Josephine: 38 claims, $395K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (10) ■ flooded 2+ times

of all homes
are insured
🏷️ 20% off flood insurance. Gulfport is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Pinellas County.

What’s been done with FEMA grants

2homes raised above flood level
2buildings retrofitted against wind
Disasters that hit Gulfport

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in Gulfport itself: aid to households, or repair grants to the City of Gulfport.

Brought FEMA money into GulfportDeclared for Pinellas County only
2024

Hurricane Milton

2,221 households applied for aid $2.0M aid approved $1.3M to the City of Gulfport for repairs
2024

Hurricane Helene

1,602 households applied for aid $6.2M aid approved $4.0M to the City of Gulfport for repairs
2024

Hurricane Debby

86 households applied for aid $362K aid approved $123K to the City of Gulfport for repairs
2023

Hurricane Idalia

108 households applied for aid $247K aid approved $89K to the City of Gulfport for repairs
2022

Hurricane Ian

277 households applied for aid $94K aid approved $330K to the City of Gulfport for repairs
2017

Hurricane Irma

1,788 households applied for aid $554K aid approved $506K to the City of Gulfport for repairs
2016

Hurricane Hermine

6 households applied for aid $3K aid approved $272K to the City of Gulfport for repairs
2012

Tropical Storm Debby

27 households applied for aid $3K aid approved $22K to the City of Gulfport for repairs
2004

Hurricane Jeanne

91 households applied for aid $57K aid approved $20K to the City of Gulfport for repairs
2004

Hurricane Frances

40 households applied for aid $35K aid approved $96K to the City of Gulfport for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

$8K to the City of Gulfport for repairs
Pinellas County has had 39 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Gulfport

Gulfport and the towns around it

Bear Creek: Moderate, mostly hurricanesSt. Petersburg: Moderate, mostly hurricanesSouth Pasadena: Moderate, mostly hurricanesFeather Sound: Moderate, mostly hurricanesLealman: High, mostly inland floodingTierra Verde: Moderate, mostly hurricanesWest Lealman: Very high, mostly inland floodingSt. Pete Beach: High, mostly coastal floodingKenneth City: Very high, mostly inland floodingTreasure Island: High, mostly coastal floodingPinellas Park: High, mostly hurricanesBay Pines: High, mostly inland floodingGulfport: Moderate, mostly hurricanes GulfportBear CreekSt. Petersburg
Very lowLowModerateHighVery high
St. Petersburgmostly hurricanesModerate
Bear Creekmostly hurricanesModerate
Gulfportmostly hurricanesModerate
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Gulfport covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Gulfport’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gulfport. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Gulfport total about $3.7M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01