The eight counties
Each county on one page: where floods have been paid for, how FEMA rates its communities, modelled health estimates, and every Triumph Gulf Coast award there.
Escambia County
12,643 flood-insurance claims paid · 16 Triumph awards, $183.6M as amended
Santa Rosa County
8,381 flood-insurance claims paid · 10 Triumph awards, $71.0M as amended
Okaloosa County
5,614 flood-insurance claims paid · 9 Triumph awards, $123.4M as amended
Walton County
1,919 flood-insurance claims paid · 8 Triumph awards, $44.7M as amended
Bay County
6,333 flood-insurance claims paid · 17 Triumph awards, $249.5M as amended
Gulf County
1,526 flood-insurance claims paid · 9 Triumph awards, $36.3M as amended
Franklin County
1,976 flood-insurance claims paid · 6 Triumph awards, $15.0M as amended
Wakulla County
1,267 flood-insurance claims paid · 9 Triumph awards, $64.4M as amended
On the ballot · 3 November 2026
What the property-tax amendment would take from each county’s levies, by the state’s estimate
CS/HJR 1-F, 2026 Special Session F (reported on the ballot as Amendment 3) was on the ballot on 3 November 2026 and needed 60% to pass. It would raise the non-school homestead exemption to $150,000 in 2027 and $250,000 from 2028, cut the cap on non-homestead assessment increases from 10% to 5%, and limit what counties and cities may spend property tax on. School levies are unchanged. The state’s Revenue Estimating Conference put the statewide recurring loss at $11,834.7M a year. Its county figures are below.
| County | First year, FY2027-28 | Fourth year, FY2030-31 | Recurring, each year | Per $1,000 of 2026 taxable value | Fiscally constrained |
|---|---|---|---|---|---|
| Wakulla | $6.4M | $11.9M | $12.4M | $4.68 | Yes |
| Santa Rosa | $26.7M | $51.6M | $55.2M | $2.70 | No |
| Escambia | $45.3M | $77.3M | $82.1M | $2.38 | No |
| Gulf | $2.6M | $6.5M | $7.7M | $1.78 | Yes |
| Okaloosa | $26.5M | $45.0M | $46.1M | $1.46 | No |
| Bay | $27.1M | $44.4M | $44.2M | $1.31 | No |
| Walton | $14.0M | $42.7M | $51.9M | $1.06 | No |
| Franklin | $2.1M | $3.7M | $3.9M | $0.96 | Yes |
Losses are for every non-school property-tax levy in the county together: county government, cities and special districts. They are not the county government’s alone. The conference excluded any local response and any later move toward full elimination. The “per $1,000” column is our division of the recurring figure by the county’s 2026 taxable value, so it is a ratio for comparing counties, not an estimate of anyone’s tax bill. No state offset for fiscally constrained counties' losses from this measure exists in the statutes read (ss. 218.12, 218.125, 218.136 cover the 2008 and 2024 changes only). A Leon County circuit judge found the original ballot title and summary defective on 3 August 2026 and the Attorney General issued rewritten language on 13 August. The final certified wording and the ballot number are as reported in the press, not read from the certified ballot.
What the amendment changes, in plain words. Sources: Florida Revenue Estimating Conference, ad valorem impact of HJR 1-F, 10 July 2026 (county tables at pages 682–686) · EDR Ad Valorem Estimating Conference, Statewide Comparison, July 2026, county taxable value, 2026 · Florida Department of Revenue, fiscally constrained counties FY2026-27, map dated 15 September 2026 · enrolled text of HJR 1-F. Counties covered: 8.