Epomena

Epomena county brief · Virtuous Cycle LLC · from public records · printed from epomena.vercel.app/county/gulf

Gulf County

Gulf County on one page: where floods have been paid for, how FEMA rates its communities, and what Triumph Gulf Coast has been asked for and awarded there.

Escambia CountySanta Rosa CountyOkaloosa CountyWalton CountyBay CountyFranklin CountyWakulla County

Living within its means

Outside money, and what the county owes

Outside money, FY2024
45.9%
21.6% federal · 24.3% state, of which 13.0% is formula revenue
Property tax
29.8%
share of operating revenue
Operating revenue
$66.6M
governmental funds, before transfers
Debt outstanding
$23.5M
bonds and notes, FY2025
27%1537%1622%1732%1841%1953%2049%2144%2243%2346%24
Outside money as a share of the county government’s operating revenue, FY2015–FY2024: federal and state grants (light) with state formula revenue (dark) inside it.

From 2027 the commission must show how next year’s budget could be cut by 10%. Against FY2024 spending that is $5.2M, or 12% of everything outside law enforcement, fire and debt service. All eight counties.

36.7% of the cost of the county’s governmental capital assets is already depreciated (FY2025). A rough sign of how old what it owns is, and so of replacement coming due; inferred, not an audited finding.

Revenue by source from EDR tabulations of Department of Financial Services Annual Financial Reports (reported, not audited; retrieved 2026-10-25), governmental funds only, transfers and debt proceeds left out. Debt, assets and one-time money from the county’s audited statements, U.S. Treasury and FEMA, each linked. A high outside share is a fact about the formulas and settlements a county lives on, not a verdict on it. Sources and limits · the series · every finding.

Was on the ballot · 3 November 2026

What the property-tax amendment would take from levies here

The state’s Revenue Estimating Conference estimates that HJR 1-F would cut non-school property-tax revenue in Gulf County by $2.6M in FY2027-28, rising to $7.7M a year once fully in place. That is every levy in the county together (the county commission, its cities and its special districts), before any of them responds. Gulf is a fiscally constrained county, and no state offset for this amendment exists in the statutes we read.

What the amendment changes · Florida Revenue Estimating Conference, ad valorem impact of HJR 1-F, 10 July 2026 (county tables at pages 682–686)

Flood record

Flood-insurance claims and policies

Federal flood insurance is authorized only through 11 December 2026.If Congress lets it lapse, as it did from 1 October to 12 November 2025, no new National Flood Insurance Program policies can be written, which can hold up home sales that need flood cover. Policies already in force run to the end of their term. The law · what a lapse does · FEMA’s status page.
Claims paid
1,526
191 more closed without payment
Paid, not adjusted for inflation
$94.7M
Repeat-loss properties
93
21 severe · 2 mitigated
Homes insured against flood
19.4%
38.8% inside FEMA's 1% flood zone

Most claims came from Hurricane Michael (954), Hurricane Opal (248), Hurricane Dennis (110).

Every county and tractThe map

FEMA Community Rating System

How FEMA rates each community's floodplain management

CommunityClass (1 best, 10 none)Discount in the 1% zone
Gulf County620%
City of Port St Joe10—
City of WewahitchkaIn the NFIP, not in CRS—

Health, modelled

CDC estimates for adults in the county

MeasureGulf95% intervalMiddle of the eight counties
Current lack of health insurance (ages 18–64)13.0%10.4–16.1%12.4%
High blood pressure40.5%36.6–44.6%37.5%
Current asthma9.8%8.6–11.1%9.9%
Coronary heart disease8.3%7.2–9.4%7.3%
Chronic obstructive pulmonary disease9.1%7.6–10.9%7.8%
Depression19.5%16.6–22.8%19.2%
Diagnosed diabetes14.1%12.1–16.1%12.4%
No leisure-time physical activity27.4%22.7–32.4%25.7%
Frequent mental distress16.8%14.7–19.1%17.3%
Mobility disability16.6%14.0–19.5%14.5%

Triumph Gulf Coast

9 awards from 26 proposals

Awarded, as Triumph reports it
$36.3M
Reserved share: $37.4M
Paid out, 2019–2025
$9.9M

Where the 26 proposals ended up: 9 awarded, 3 under review, 1 applied, not awarded, 4 found not eligible, 3 withdrawn, 6 pre-application only.

#ProjectAward, as amendedPreliminary scorecard
237Dredging of Shipping Channel
Port St. Joe Port Authority
$15.0M2 yes, 1 partly, 2 no
327Digital Technology
Gulf County School District
$6.9M2 yes, 1 partly, 1 not known
202Tech Center for Em Resp and Comms
Gulf Coast State College - Gulf Campus
$4.6M2 yes, 2 partly
186Hurricane Michael Recovery Ad Valorem Request
Gulf County BOCC
$4.3M1 yes, 1 partly, 2 no
210UAS Pilot Boot Camp for Exiting Military
Gulf Coast State College
$2.3M3 yes, 1 partly
207Nursing Simulation Center
GCSC Gulf/Franklin Campus
$2.2M4 yes
153Unmanned Systems
Gulf School District
$710K2 yes, 1 partly, 2 no
180WHS Welding Program
Gulf District Schools
$250K3 yes, 1 partly, 1 no
148Agri-Science Program Expansion
Gulf District Schools
$109K3 yes, 1 no

Gulf in the grant database