ZIP 32413
Bay County, FL

The heaviest year

1995 is the heaviest year on file: 508 paid claims, 48.1% 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 Opal, with 496 claims.

111 of those claims — 10.5% — were filed since 2017. The bulk of this ZIP's record is older than that.

Named event	Paid claims	Share of record
Hurricane Opal	496	46.9%
Hurricane Ivan	109	10.3%
Hurricane Georges (Panhandle)	100	9.5%

Where the claims sat on the map

Of the 1,056 claims here that record a rated flood zone, 685 — 64.9% — 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 Panama City Beach Pier (in MHHW) (6.3 mi), Choctawhatchee River near Bruce-Ebro (SR 20) (10.1 mi) and Choctawhatchee River at Bunker (in MHHW) (13.5 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 32413 →

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.