Bay County, Florida

Bay County, Florida has a moderate overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 94% of US counties. It ranks 22nd of 67 counties in Florida. The costliest hazards here are hurricanes, inland flooding and tornadoes. FEMA estimates about $158 million a year in expected losses, or roughly $903 per resident. Since 1975 it has been included in 49 federal disaster or emergency declarations for natural events (31 major disasters). The most recent was in October 2026 (Hurricane Isaias). About 1 in 6 homes here carry federal flood insurance (13,382 policies). Since 1978, federal flood insurance has paid about $337 million on 9,005 claims here, including $140 million for floods in 1995.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively low and community resilience is relatively low in FEMA's measures.

The National Weather Service has logged 666 storm reports in Bay County since 1952, with 21 deaths and 140 injuries and about $77.7 million in reported damage. The strongest on record here was an F3 tornado on December 10, 1967.

Source: NOAA Storm Events Database, county-based reports through Jul 30, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Since 1851, 30 hurricanes and 35 tropical storms have passed within 65 miles of the center of Bay County, 25 of them since 1950. The strongest was Hurricane Michael (2018), with top winds near 160 mph about 11 miles away.

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 108,362 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.