Natural hazards · Gulf Hills

Gulf Hills, MS natural hazards

Most of the natural-hazard damage FEMA expects in Gulf Hills comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 33 claims here since 1998.

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

Expected damage

How exposed is Gulf Hills?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gulf Hills to be higher than in 92% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes55%Inland flooding23%Coastal flooding7%Tornadoes6%Everything else10%

By hazard

What Gulf Hills faces

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

Hurricanes

55% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

23% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Coastal flooding

7% of expected damage

Well above average · among the top 1% of U.S. places

Tornadoes

6% of expected damage

Above average · higher than 67% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Gulf Hills flood?

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

33paid claims since 1998

$1.9Mpaid to owners

0homes flooded more than once

19982026

Biggest named events

Hurricane Zeta: 19 claims, $552K
Hurricane Katrina: 7 claims, $1.2M
2026-06-Arthur-TS: 3 claims, $87K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gulf Hills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jackson County.

Disasters that hit Gulf Hills

Federal disasters declared here

None of the disasters declared for Jackson County shows FEMA aid or repair money reaching Gulf Hills itself in FEMA’s records.

Brought FEMA money into Gulf HillsDeclared for Jackson County only

Jackson County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Gulf Hills

Gulf Hills and the towns around it

Very lowLowModerateHighVery high

Gulf Hillsmostly hurricanesVery high

Ocean Springsmostly hurricanesVery high

St. Martinmostly hurricanesVery high

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. Gulf Hills covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gulf Hills’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gulf Hills. 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 Gulf Hills total about $3.2M 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.