ZIP 32408
Bay County, FL

The heaviest year

1995 is the heaviest year on file: 723 paid claims, 51.8% of the ZIP's total. More than half of everything ever paid here traces to that single year. The largest named event in the record is Hurricane Opal, with 712 claims.

291 of those claims — 20.8% — were filed since 2017. The pattern here is still active.

Named event	Paid claims	Share of record
Hurricane Opal	712	51.0%
Hurricane Michael	192	13.8%
Hurricane Sally	54	3.9%

Where the claims sat on the map

Of the 1,391 claims here that record a rated flood zone, 949 — 68.2% — 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 Tide Station at St Andrews State Park Pier (in MHHW) (1.9 mi), Tide Station at Panama City Marina (in MHHW) (5.3 mi) and East Bay at Watson Bayou Pier (in MHHW) (7.0 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 32408 →

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.