ZIP 32409
Bay County, FL

The heaviest year

1995 is the heaviest year on file: 66 paid claims, 34.6% 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 Opal, with 66 claims.

64 of those claims — 33.5% — were filed since 2017. The pattern here is still active.

Named event	Paid claims	Share of record
Hurricane Opal	66	34.6%
Hurricane Michael	51	26.7%
Hurricane Ivan	18	9.4%

Where the claims sat on the map

Of the 187 claims here that record a rated flood zone, 28 — 15.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. 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 Econfina Creek near Deer Point Lake (in NAVD88) (9.3 mi), Econfina Creek near Bennett (9.8 mi) and Tide Station at Panama City Beach Pier (in MHHW) (13.2 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 32409 →

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.