Not a stupid question at all. The answer is actually not all that simple and depends (somewhat) on the species. Some corals are a single polyp (I'm thinking of a fungia coral) other corals are multiple polyps (but a single polyp is still considered a coral). Here I'm thinking of zoanthids - a single polyp is a coral but 50 polyps are also a single coral if connected by tissue. Should that connection be severed then one coral can be come many (asexual reproduction a.k.a. fragging).