Flood Claims Map

Florida

Flood insurance claims in Bay County, Florida

FEMA records 9,005 National Flood Insurance Program claims in Bay County, Florida, since 1978, with $337.5 million paid in total. The year with the most claims was 1995, with 3,026. As of 3 August 2026, 17.9% of homes here had an NFIP policy, and 67.5% of homes in the high-risk flood zone did.

NFIP claims on record9,005
Total paid$337.5 million
Claims with a payment6,338
Homes with NFIP policy17.9%
High-risk zone homes insured67.5%
Residential policies in force13,382

Claims by year of loss

1978: 1119781979: 241980: 51981: 21982: 1819821983: 261984: 451985: 2551986: 219861987: 81988: 181989: 11990: 119901991: 1031992: 101993: 71994: 2419941995: 3,0261996: 161997: 141998: 69819981999: 762000: 132001: 172002: 1120022003: 272004: 3442005: 5282006: 320062007: 52008: 1692009: 332010: 1920102011: 72012: 322013: 5282014: 3320142015: 122016: 332017: 122018: 2,18520182019: 232020: 3472021: 1782022: 1520222023: 132024: 192025: 42026: 520263,026

NFIP claims by year of loss, Bay County, Florida

1978: $9,29919781979: $70,8041980: $10,2511981: $5,6871982: $21,33319821983: $8,1211984: $171,9731985: $635,8361986: $1,92019861987: $3,4061988: $26,3171989: $01990: $019901991: $359,7651992: $7,4281993: $01994: $322,01519941995: $139.6 million1996: $70,6831997: $29,1441998: $9.7 million19981999: $675,2812000: $148,6812001: $71,7592002: $55,33520022003: $147,1232004: $6.0 million2005: $16.5 million2006: $5,99120062007: $1,6102008: $3.7 million2009: $195,9672010: $275,91120102011: $12,2722012: $278,7812013: $13.6 million2014: $321,42820142015: $88,1292016: $335,2802017: $149,9412018: $126.2 million20182019: $338,8972020: $10.7 million2021: $6.3 million2022: $158,91720222023: $134,1832024: $114,6462025: $16,4692026: $26,0642026$139.6 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Bay County, Florida

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Opal2,980
Hurricane Michael2,129
Hurricane Dennis461
Hurricane Ivan324
Hurricane Sally296
Hurricane Kate210
Hurricane Georges (Panhandle)191
Hurricane Earl146

ZIP codes with the most claims

ZIP code (as reported)Claims
324071,625
324081,398
324441,221
324051,135
324131,032
32404838
32456753
32401552
32409191
32410123

4,151 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $278.8 million, contents $57.7 million, increased cost of compliance $956,281.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone9,9006,67967.5%
All homes74,93413,38217.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.