ZIP 32404
Bay County, FL

The heaviest year

2018 is the heaviest year on file: 294 paid claims, 35.1% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Michael, with 285 claims.

385 of those claims — 45.9% — were filed since 2017. This is not a historical record — most of it is recent.

Named event	Paid claims	Share of record
Hurricane Michael	285	34.0%
Hurricane Opal	184	22.0%
Hurricane Dennis	62	7.4%

Where the claims sat on the map

Of the 837 claims here that record a rated flood zone, 437 — 52.2% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Most of the paid flooding in this ZIP happened to properties the maps did not treat as high risk. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.

The water near this ZIP

The closest gauges publishing official flood thresholds are Pelican Point at Cooks Bayou (in MHHW) (3.5 mi), Cooks Bayou at Parker Branch (in MHHW) (3.6 mi) and East Bay at Callaway Bayou (in MHHW) (5.1 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.

Read current gauge conditions for 32404 →

What this does not say

These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.

The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.