Summary
Plan status as of 2026-09-30: Approved, expires 2030-09-15. Plan: Bay County (FEMA plan 111129), approved 2025-09-15.
Since the plan was approved on 2025-09-15: no new hazard declaration and 21 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Hurricane ($117,804,683 a year), Inland Flooding ($16,766,511) and Tornado ($11,004,314).
The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.
Plan clock
- Status:
- Approved, expires 2030-09-15
- Plan:
- Bay County (FEMA plan 111129)
- Approved:
- 2025-09-15
- Days to expiry:
- 1,446
What changed since your last plan (approved 2025-09-15)
- New federal declarations:
- none
- Storm Events records since approval:
- 21 records (data through 2026-06-30)
- Repetitive loss now:
- FMA RL 131, SRL 109 (44 CFR 77.2); any definition: 687
- Repeat-flood change:
- this release sets the baseline count.
Sources: 1, 2, 4, 6 (numbered list at the end)
Plan status for every jurisdiction listed in this county
Source: 1
| Jurisdiction | Type | Status | Plan | Approved | Expires | Days to expirynegative = days since expiry | Notes |
|---|---|---|---|---|---|---|---|
| Bay County (unincorporated area) | Unincorporated | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Callaway city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Lynn Haven city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Mexico Beach city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Panama City Beach city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Panama City city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Parker city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Springfield city | City | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Bay County School District | School/School District | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | |
| Florida State University | College/University | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | this jurisdiction approved 2025-09-17 |
| Gulf Coast State College | College/University | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 | this jurisdiction approved 2025-09-17 |
| Panama City Housing Authority | Other | Approved, expires 2030-09-15 | Bay County (FEMA plan 111129) | 2025-09-15 | 2030-09-15 | 1,446 |
State plan status and tribal plans in this state: see the state page.
Supports FEMA checklist item B1-a: hazard identification
Hazards NRI does not cover (local data needed)
- dam failure (incl. upstream dams)
- levee failure
- flash flood as its own subtype
- ice jams
- debris flows
- erosion (riverine and coastal)
- land subsidence and sinkholes
- expansive soils
The 18 National Risk Index hazards, ranked by expected annual loss (EAL)
Sources: 5, 6
| Rank by EAL | Hazard | NRI risk rating | EAL rating | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL total (see note)modeled dollars per year | Storm Events records, 1996 to 2026-06-30count | Storm Events coverage note |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Hurricane | Very High | Very High | $112,330,878 | $40,510 | $5,433,295 | $117,804,683 | 27 | |
| 2 | Inland Flooding | Relatively Moderate | Relatively Moderate | $15,838,754 | $6,157 | $921,600 | $16,766,511 | 177 | |
| 3 | Tornado | Relatively High | Relatively High | $2,800,414 | $74 | $8,203,826 | $11,004,314 | 44 | |
| 4 | Cold Wave | Relatively Moderate | Relatively Moderate | $13,541 | $2,000 | $3,591,624 | $3,607,165 | 3 | |
| 5 | Lightning | Very High | Very High | $133,305 | n/a | $2,908,235 | $3,041,540 | 23 | |
| 6 | Heat Wave | Relatively Moderate | Relatively Moderate | $160 | $13 | $2,053,405 | $2,053,579 | 14 | |
| 7 | Coastal Flooding | Relatively Moderate | Relatively Moderate | $1,642,485 | n/a | $272,394 | $1,914,879 | 16 | |
| 8 | Strong Wind | Relatively Moderate | Relatively Moderate | $418,404 | $22 | $518,672 | $937,097 | 244 | Includes 1 High Wind record (a NOAA non-thunderstorm wind type, outside NRI's Strong Wind definition). |
| 9 | Earthquake | Very Low | Relatively Low | $267,270 | n/a | $110,593 | $377,863 | Storm Events does not record earthquakes. | |
| 10 | Wildfire | Relatively Low | Relatively Low | $246,863 | $20 | $47,493 | $294,375 | 8 | |
| 11 | Hail | Very Low | Very Low | $18,469 | $61 | $57,402 | $75,932 | 54 | |
| 12 | Winter Weather | Relatively Low | Relatively Low | $20,428 | $1 | $14,825 | $35,254 | 3 | |
| 13 | Drought | Very Low | Very Low | n/a | $2,044 | n/a | $2,044 | 34 | |
| 14 | Landslide | Very Low | Very Low | $420 | n/a | $4 | $423 | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
| Tsunami | Insufficient Data | Insufficient Data | n/a | n/a | n/a | n/a | 0 | No recorded events in Storm Events since 1996 (data through 2026-06-30). |
Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).
NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.
Local data needed: state and local landslide and tsunami records (Storm Events records these hazards only in part).
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, ice storm and volcanic activity. That is the evidence for leaving them out of the plan.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b: hazard location
Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Lightning, Strong Wind and Winter Weather.
Coastal Flooding and Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
Hazards that vary within the county: highest-rated census tracts
Source: 5
| Hazard | Highest-rated census tractsNRI risk rating, score 0 to 100 |
|---|---|
| Earthquake | tract 16 (Relatively Low, 54.5); tract 20 (Relatively Low, 45.4); tract 15.02 (Relatively Low, 45.1) |
| Hurricane | tract 16 (Very High, 99.9); tract 20 (Very High, 99.8); tract 27.03 (Very High, 99.7) |
| Landslide | tract 2.01 (Relatively Low, 84.2); tract 2.04 (Very Low, 77.3); tract 3.02 (Very Low, 76.3) |
| Tornado | tract 3.02 (Very High, 94.8); tract 14.04 (Very High, 94.0); tract 14.02 (Relatively High, 93.1) |
| Tsunami | no tract has a National Risk Index rating for this hazard |
| Wildfire | tract 3.02 (Relatively Moderate, 91.7); tract 5 (Relatively Moderate, 91.6); tract 2.01 (Relatively Moderate, 91.0) |
Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 16 is Census Tract 16). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool
Supports FEMA checklist item B1-c: hazard extent
Extent: scale, observed range and worst recorded event per hazard
Sources: 6, 7
| Hazard | Scale | Recordscount and years | Observed range | Worst recorded event | Most damaging (when different) | How it applies to jurisdictions | Note |
|---|---|---|---|---|---|---|---|
| Coastal Flood, Storm Surge/Tide | none in data (flood depth: FIRM) | 16 records, 2002 to 2018 (14 zone-level) | Storm Surge/Tide, 2018-10-10, $700,000,000 property; $0 crops (2018 dollars), 4 direct deaths (reported for the zone); NWS zone FLZ112 | Event records naming jurisdictions in the plan: Panama City Beach city (1 record). Zone-level records (14) apply countywide. | Flood depth: see the FEMA Flood Insurance Rate Map. | ||
| Cold/Wind Chill, Extreme Cold/Wind Chill | wind chill | 3 records, 2022 to 2026 (3 zone-level) | 1 day to 3 days (median 1 day); 3 with a recorded value | 3 consecutive days, 2022-12-24 to 2022-12-26, zone-level | Countywide (zone-level records). | ||
| Frost/Freeze (outside NRI's Cold Wave definition) | crop damage | 0 | |||||
| Drought | U.S. Drought Monitor scale (D0 to D4) | 34 records, 2010 to 2026 (34 zone-level) | 24 days to 296 days (median 50 days); 10 with a recorded value | 296 days (about 9.7 months), 2011-05-10 to 2012-02-29, a run of 11 consecutive Storm Events drought records, zone-level | Countywide (zone-level records). | Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only. | |
| Earthquake | Modified Mercalli (local data) | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | ||||
| Hail | hail size (inches) | 68 records, 1957 to 2025 | 0.75 in to 3 in (median 1 in); 68 with a recorded value | 3 in hail, 1984-03-25 | Hail, 1995-03-18, $1,000 property; crops not recorded (1995 dollars) | Event records naming jurisdictions in the plan: Panama City city (5 records), Lynn Haven city (3 records), Mexico Beach city (1 record), Parker city (1 record), Springfield city (1 record). | |
| Excessive Heat, Heat | heat index (in event narratives) | 14 records, 2010 to 2023 (14 zone-level) | 1 day to 5 days (median 3 days); 5 with a recorded value | 5 consecutive days, 2023-08-11 to 2023-08-15, zone-level | Countywide (zone-level records). | ||
| Hurricane, Tropical Storm, Tropical Depression | Saffir-Simpson | 27 records, 1996 to 2024 (27 zone-level) | Strongest recorded: Hurricane record (NOAA event type 'Hurricane (Typhoon)'), 2018-10-10, category 5, $6,000,000,000 property; $0 crops (2018 dollars); NWS zone FLZ112 | Countywide (zone-level records). | Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records. | ||
| Flash Flood, Flood, Lakeshore Flood | damage and flood days (flood depth: FIRM) | 177 records, 1998 to 2025 (2 zone-level) | Flood, 2014-05-02, $5,000,000 property; $0 crops (2014 dollars) | Event records naming jurisdictions in the plan: Lynn Haven city (21 records), Panama City city (17 records), Parker city (12 records), Springfield city (12 records), Panama City Beach city (11 records), Callaway city (2 records), Mexico Beach city (1 record). Zone-level records (2) apply countywide. | Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most. | ||
| Debris Flow | none (count and damage only) | 0 | |||||
| Lightning | annualized frequency (the measure FEMA's Local Mitigation Planning Handbook names) | 23 records, 1996 to 2023 | Lightning, 2012-08-06, damage not reported, 2 direct deaths | Lightning, 2006-08-08, $350,000 property; crops not reported (2006 dollars) | Event records naming jurisdictions in the plan: Panama City Beach city (5 records), Panama City city (4 records), Lynn Haven city (2 records), Springfield city (1 record). | Storm Events lists lightning with damage or casualties. | |
| High Wind and Strong Wind (outside NRI's Strong Wind definition) | wind speed (kt and mph) | 1 record, 2024 (1 zone-level) | 50 kt (58 mph); 1 with a recorded value | 50 kt (58 mph) estimated gust, High Wind, 2024-01-09; NWS zone FLZ112 | Countywide (zone-level records). | ||
| Thunderstorm Wind | wind speed (kt and mph) | 273 records, 1955 to 2026 | 40 kt (46 mph) to 71 kt (82 mph) (median 50 kt (58 mph)); 236 with a recorded value | 71 kt (82 mph) measured gust, Thunderstorm Wind, 2021-03-18 | Thunderstorm Wind, 2006-05-08, $5,000,000 property; crops not reported (2006 dollars) | Event records naming jurisdictions in the plan: Panama City city (25 records), Lynn Haven city (12 records), Panama City Beach city (12 records), Parker city (10 records), Springfield city (9 records), Mexico Beach city (6 records), Callaway city (1 record). | |
| Tornado | Enhanced Fujita (Fujita before Feb 2007) | 92 records, 1952 to 2025 | F/EF0 to F/EF3 (median F/EF1); 90 with a recorded value | F3 tornado, 1967-12-10, 7.1 mi path length (whole path, pre-1996), 250 yd wide, $2,500,000 property; crops not recorded (1967 dollars), 1 direct death, 50 direct injuries | Tornado, 2024-01-09, $15,350,000 property; $0 crops (2024 dollars) | Event records naming jurisdictions in the plan: Panama City Beach city (5 records), Lynn Haven city (3 records), Panama City city (3 records), Mexico Beach city (2 records), Springfield city (2 records), Parker city (1 record). | Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods). |
| Tsunami | none (count and damage only) | 0 | |||||
| Wildfire | acres burned (local data) | 8 records, 1998 to 2000 | Wildfire, 2000-07-05, $10,000 property; crops not reported (2000 dollars) | Event records naming jurisdictions in the plan: Panama City city (1 record), Springfield city (1 record). | |||
| Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet | none in data (snowfall: local data) | 3 records, 2014 to 2025 (3 zone-level) | Heavy Snow, 2025-01-21, $0 property; $500,000 crops (2025 dollars); NWS zone FLZ112 | Countywide (zone-level records). |
In event narratives only (local data needed): wind chill, temperature, heat index, acres burned and snow depth; any physical measure of debris flow, lightning and tsunami.
Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).
Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.
Supports FEMA checklist item B1-d: previous occurrences
Federal declarations for this county: 49 declarations covering 37 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).
Federal disaster declarations for this county
Sources: 1, 2, 3
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard | County Public Assistancefederal share obligated, nominal dollars | Flags | Notes |
|---|---|---|---|---|---|---|---|---|
| 2024-09-28 | 2024-09-23 | DR-4828-FL | Major disaster | Hurricane Helene | Hurricane | $207,026.29 | in the 12 months before plan approval; within last 5 years | |
| 2024-09-24 | 2024-09-23 | EM-3615-FL | Emergency | Tropical Storm Helene | Hurricane (primary); also designated: Inland Flooding, Strong Wind | no Public Assistance recorded | in the 12 months before plan approval; within last 5 years | same incident as DR-4828 |
| 2024-08-10 | 2024-08-01 | DR-4806-FL | Major disaster | Hurricane Debby | Hurricane | no Public Assistance recorded | within last 5 years | |
| 2024-08-03 | 2024-08-01 | EM-3605-FL | Emergency | Tropical Storm Debby | Hurricane (primary); also designated: Inland Flooding, Strong Wind, Tornado | no Public Assistance recorded | within last 5 years | same incident as DR-4806 |
| 2023-08-31 | 2023-08-27 | DR-4734-FL | Major disaster | Hurricane Idalia | Hurricane | no Public Assistance recorded | within last 5 years | |
| 2023-08-28 | 2023-08-27 | EM-3596-FL | Emergency | Tropical Storm Idalia | Hurricane | no Public Assistance recorded | within last 5 years | same incident as DR-4734 |
| 2022-09-29 | 2022-09-23 | DR-4673-FL | Major disaster | Hurricane Ian | Hurricane | no Public Assistance recorded | within last 5 years | |
| 2022-09-24 | 2022-09-23 | EM-3584-FL | Emergency | Tropical Storm Ian | Hurricane | no Public Assistance recorded | within last 5 years | same incident as DR-4673 |
| 2022-03-06 | 2022-03-04 | FM-5426-FL | Fire management | Chipola Fire Complex | Wildfire | no Public Assistance recorded | within last 5 years | |
| 2022-03-04 | 2022-03-04 | FM-5424-FL | Fire management | 1707 Adkins Ave Fire | Wildfire | no Public Assistance recorded | within last 5 years | |
| 2021-08-16 | 2021-08-13 | EM-3562-FL | Emergency | Tropical Storm Fred | Hurricane | no Public Assistance recorded | ||
| 2020-09-23 | 2020-09-14 | DR-4564-FL | Major disaster | Hurricane Sally | Hurricane | $4,337,098.84 | ||
| 2020-09-15 | 2020-09-14 | EM-3546-FL | Emergency | Hurricane Sally | Hurricane | no Public Assistance recorded | same incident as DR-4564 | |
| 2020-03-25 | 2020-01-20 | DR-4486-FL | Major disaster | COVID-19 Pandemic | Non-natural, not counted | $827,252.78 | ||
| 2020-03-13 | 2020-01-20 | EM-3432-FL | Emergency | COVID-19 | Non-natural, not counted | no Public Assistance recorded | same incident as DR-4486 | |
| 2019-08-30 | 2019-08-28 | EM-3419-FL | Emergency | Hurricane Dorian | Hurricane | no Public Assistance recorded | ||
| 2018-10-11 | 2018-10-07 | DR-4399-FL | Major disaster | Hurricane Michael | Hurricane | $989,546,623.87 | ||
| 2018-10-09 | 2018-10-07 | EM-3405-FL | Emergency | Hurricane Michael | Hurricane | no Public Assistance recorded | same incident as DR-4399 | |
| 2017-09-10 | 2017-09-04 | DR-4337-FL | Major disaster | Hurricane Irma | Hurricane | $71,990.06 | ||
| 2017-09-05 | 2017-09-04 | EM-3385-FL | Emergency | Hurricane Irma | Hurricane | no Public Assistance recorded | same incident as DR-4337 | |
| 2014-05-06 | 2014-04-28 | DR-4177-FL | Major disaster | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | Inland Flooding; Strong Wind; Tornado | $4,031,472.30 | ||
| 2013-08-02 | 2013-07-02 | DR-4138-FL | Major disaster | Severe Storms and Flooding | Inland Flooding | $4,834,492.06 | ||
| 2012-10-18 | 2012-08-27 | DR-4084-FL | Major disaster | Hurricane Isaac | Hurricane | $117,670.48 | ||
| 2009-04-21 | 2009-03-26 | DR-1831-FL | Major disaster | Severe Storms, Flooding, Tornadoes, and Straight-Line Winds | Inland Flooding; Strong Wind; Tornado | $1,816,388.36 | ||
| 2008-10-27 | 2008-08-31 | DR-1806-FL | Major disaster | Hurricane Gustav | Hurricane | $0 | ||
| 2008-08-21 | 2008-08-18 | EM-3288-FL | Emergency | Tropical Storm Fay | Hurricane; Inland Flooding | $3,645.19 | ||
| 2005-09-05 | 2005-08-29 | EM-3220-FL | Emergency | Hurricane Katrina Evacuation | Hurricane: evacuation support, not a local hazard event; not counted | no Public Assistance recorded | same incident as DR-1602 | |
| 2005-08-28 | 2005-08-24 | DR-1602-FL | Major disaster | Hurricane Katrina | Hurricane | $186,987.55 | ||
| 2005-07-10 | 2005-07-07 | DR-1595-FL | Major disaster | Hurricane Dennis | Hurricane | $14,269,363.48 | ||
| 2004-09-16 | 2004-09-13 | DR-1551-FL | Major disaster | Hurricane Ivan | Hurricane | $5,261,305.70 | ||
| 2004-09-04 | 2004-09-03 | DR-1545-FL | Major disaster | Hurricane Frances | Hurricane | $7,088.12 | ||
| 2004-08-13 | 2004-08-11 | DR-1539-FL | Major disaster | Tropical Storm Bonnie and Hurricane Charley | Hurricane | $26,807.08 | ||
| 2001-06-17 | 2001-06-11 | DR-1381-FL | Major disaster | Tropical Storm Allison | Hurricane | $2,717,963.12 | ||
| 2000-10-03 | 2000-09-21 | DR-1344-FL | Major disaster | Tropical Storm Helene | Hurricane; Inland Flooding | $61,671.13 | ||
| 1999-04-27 | 1999-04-15 | EM-3139-FL | Emergency | Fl-Fires 04/15/99 | Wildfire | no Public Assistance recorded | ||
| 1999-04-17 | 1999-04-13 | FM-2255-FL | Fire management | Fl-Fires 04/13/99 | Wildfire | no Public Assistance recorded | ||
| 1998-09-28 | 1998-09-25 | DR-1249-FL | Major disaster | Hurricane Georges | Hurricane | no Public Assistance recorded | ||
| 1998-09-25 | 1998-09-25 | EM-3131-FL | Emergency | Hurricane Grorges | Hurricane | no Public Assistance recorded | same incident as DR-1249 | |
| 1998-09-04 | 1998-09-03 | DR-1241-FL | Major disaster | Hurricane Earl | Hurricane | PA not declared for this county | ||
| 1998-06-18 | 1998-05-25 | DR-1223-FL | Major disaster | Extreme Fire Hazard | Wildfire | no Public Assistance recorded | ||
| 1998-01-06 | 1997-12-25 | DR-1195-FL | Major disaster | Severe Storms, High Winds, Tornadoes, and Flooding | Inland Flooding; Strong Wind; Tornado | no Public Assistance recorded | ||
| 1995-10-04 | 1995-10-04 | DR-1069-FL | Major disaster | Hurricane Opal | Hurricane | no Public Assistance recorded | ||
| 1995-08-10 | 1995-08-02 | DR-1062-FL | Major disaster | Hurricane Erin | Hurricane | no Public Assistance recorded | ||
| 1994-07-10 | 1994-07-02 | DR-1035-FL | Major disaster | Severe Storms and Flooding (Tropical Storm Alberto) | Hurricane; Inland Flooding | no Public Assistance recorded | ||
| 1994-07-08 | 1994-07-02 | EM-3114-FL | Emergency | Tropical Storm Alberto | Inland Flooding (primary); also designated: Hurricane | no Public Assistance recorded | same incident as DR-1035 | |
| 1990-04-03 | 1990-03-16 | DR-862-FL | Major disaster | Severe Storms & Flooding | Inland Flooding | PA not declared for this county | ||
| 1979-09-13 | 1979-09-13 | DR-600-FL | Major disaster | Hurricane Frederic | Hurricane | no Public Assistance recorded | ||
| 1975-09-26 | 1975-09-26 | DR-484-FL | Major disaster | High Winds, Heavy Rains & Flooding | Inland Flooding (primary); also designated: Strong Wind | no Public Assistance recorded | ||
| 1975-08-22 | 1975-08-22 | DR-479-FL | Major disaster | Flooding | Inland Flooding | no Public Assistance recorded |
School districts and special districts in this county: $11,101,785.52 (included in the county total above). Public Assistance matched by applicant name to the school districts and special districts FEMA lists as plan participants in this county. They have no row of their own in the jurisdiction table, so their total is listed here. These dollars are already included in the county PA column of the declarations table (the FEMA record places each applicant in this county), so this line is not added to it.
County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.
Statewide declarations
Source: 2
| Declared | Incident began | FEMA number | Type | Title | Mapped hazard |
|---|---|---|---|---|---|
| 1995-08-03 | 1995-08-02 | EM-3116-FL | Emergency | Hurricane Erin | Hurricane |
| 1964-09-10 | 1964-09-10 | DR-176-FL | Major disaster | Hurricane Dora | Hurricane (primary); also designated: Inland Flooding |
| 1964-09-08 | 1964-09-08 | DR-175-FL | Major disaster | Hurricane Cleo | Hurricane (primary); also designated: Inland Flooding |
| 1962-12-17 | 1962-12-17 | DR-141-FL | Major disaster | Abnormally High Tides | Inland Flooding |
| 1960-09-12 | 1960-09-12 | DR-106-FL | Major disaster | Hurricane Donna | Hurricane (primary); also designated: Inland Flooding |
| 1960-03-23 | 1960-03-23 | DR-97-FL | Major disaster | Severe Weather Conditions | Other, not an NRI hazard; not counted |
| 1953-10-22 | 1953-10-22 | DR-12-FL | Major disaster | Flood | Inland Flooding |
FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.
17 Fire Management declarations (1985-05-17 to 1998-06-28) FEMA filed as Statewide with no county; each names one local fire. Listed on the state page.
Public Assistance not placed in any Florida county: 4 rows, $9,327,951.42; listed on the Florida state page.
Source: 3
Previous occurrences by hazard, with explicit no-event rows
Sources: 2, 6, 7
| Hazard | Storm Events records, all years on file(years in the Period column) | Since plan approvalrecords | In the 12 months before plan approvalrecords | Last 5 yearsrecords | Declared incidents, all yearsseparate disasters | Declared since approvalseparate disasters | Period | Statement |
|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 16 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | |
| Cold Wave | 3 | 1 | 1 | 3 | 0 | 0 | 1996 to 2026-06-30 | |
| Drought | 34 | 8 | 0 | 13 | 0 | 0 | 1996 to 2026-06-30 | |
| Earthquake | 0 | 0 | 0 | 0 | 0 | 0 | Storm Events does not record earthquakes; the USGS earthquake catalog is the source. | |
| Hail | 68 | 0 | 3 | 13 | 0 | 0 | 1955 to 2026-06-30 | |
| Heat Wave | 14 | 0 | 0 | 11 | 0 | 0 | 1996 to 2026-06-30 | |
| Hurricane | 27 | 0 | 1 | 1 | 25 | 0 | 1996 to 2026-06-30 | |
| Inland Flooding | 177 | 0 | 4 | 73 | 12 | 0 | 1996 to 2026-06-30 | |
| Landslide | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Lightning | 23 | 0 | 0 | 3 | 0 | 0 | 1996 to 2026-06-30 | |
| Strong Wind | 274 | 10 | 5 | 74 | 6 | 0 | 1955 to 2026-06-30 | Includes 1 High Wind record. |
| Tornado | 92 | 2 | 0 | 11 | 4 | 0 | 1950 to 2026-06-30 | |
| Tsunami | 0 | 0 | 0 | 0 | 0 | 0 | 1996 to 2026-06-30 | No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events |
| Wildfire | 8 | 0 | 0 | 0 | 5 | 0 | 1996 to 2026-06-30 | |
| Winter Weather | 3 | 0 | 1 | 1 | 0 | 0 | 1996 to 2026-06-30 |
Notable Storm Events records
Sources: 1, 6, 7
| Date | Event type | Magnitude or extent | Damagenominal dollars | Deaths, injuriesdirect only | Location | Flags | Why listed |
|---|---|---|---|---|---|---|---|
| 2024-01-09 | High Wind | 50 kt (58 mph) estimated gust | $5,000 property; $0 crops (zone total, 2024 dollars) | 0, 0 | NWS zone FLZ112 (COASTAL BAY), zone-level | within last 5 years | B1-c worst recorded: High Wind and Strong Wind |
| 2023-08-11 | Excessive Heat | $0 property; $0 crops (zone total, 2023 dollars) | 0, 0 | NWS zone FLZ012 (INLAND BAY), zone-level | within last 5 years | B1-c worst recorded: Excessive Heat, Heat | |
| 2022-12-24 | Cold/Wind Chill | $50,000 property; $0 crops (zone total, 2022 dollars) | 0, 0 | NWS zone FLZ112 (COASTAL BAY), zone-level | within last 5 years | B1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill | |
| 2021-03-18 | Thunderstorm Wind | 71 kt (82 mph) measured gust | $0 property; $0 crops (2021 dollars) | 0, 0 | WESTBAY | B1-c worst recorded: Thunderstorm Wind | |
| 2018-10-10 | Storm Surge/Tide | $700,000,000 property; $0 crops (zone total, 2018 dollars) | 4, 0 | NWS zone FLZ112 (COASTAL BAY), zone-level | deaths or injuries recorded | ||
| 2018-10-10 | Hurricane (NOAA event type 'Hurricane (Typhoon)') | category 5 | $6,000,000,000 property; $0 crops (zone total, 2018 dollars) | 0, 0 | NWS zone FLZ112 (COASTAL BAY), zone-level | B1-c worst recorded: Hurricane, Tropical Storm, Tropical Depression | |
| 2014-05-02 | Flood | $5,000,000 property; $0 crops (2014 dollars) | 0, 0 | HOLLYWOOD BEACH | B1-c worst recorded: Flash Flood, Flood, Lakeshore Flood | ||
| 2012-08-06 | Lightning | damage not reported | 2, 0 | ST ANDREWS STATE PARK | deaths or injuries recorded | ||
| 2004-09-15 | Hurricane (NOAA event type 'Hurricane (Typhoon)') | $25,000,000 property; crops not reported (zone total, 2004 dollars) | 2, 8 | NWS zone FLZ012 (BAY), zone-level | deaths or injuries recorded | ||
| 2000-07-05 | Wildfire | $10,000 property; crops not reported (2000 dollars) | 0, 0 | PANAMA CITY | B1-c worst recorded: Wildfire | ||
| 1984-03-25 | Hail | 3 in | damage not recorded (pre-1996 record) | 0, 0 | location not recorded | B1-c worst recorded: Hail | |
| 1967-12-10 | Tornado | F3, 7.1 mi path length (whole path, pre-1996), 250 yd wide | $2,500,000 property; crops not recorded (1967 dollars) | 1, 50 | location not recorded | B1-c worst recorded: Tornado |
The full list is in the Excel file, sheet "B1-d Storm Events history" (739 rows).
Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.
Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).
Tribal and special-area declarations in this state are listed on the state page.
Supports FEMA checklist item B1-e: probability of future events
Probability: FEMA annualized frequency and descriptor per hazard
Sources: 5, 6
| Hazard | FEMA annualized frequency (modeled)unit per row | Unit | In plain terms | Descriptor | Descriptor basis | NRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional) | NRI period | Location | Note |
|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | 3.76 | events per year at a location (modeled) | about 3.8 per year at a given location in the county | Highly likely | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | Descriptor from NRI: the rate at a location is 1 or more a year, so the county rate is at least that. |
| Cold Wave | 1.57 | event-days per year | about 1.57 days per year | Possible | Storm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%) | 15.8 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Drought | 17.4 | event-days per year | about 17.4 days per year | Likely | Storm Events event-days in 9 of 30 years, 1996 to 2025 (30%) | 602 | 2000 to 2025 (25.25 years; D3 and D4 only) | countywide | |
| Earthquake | 0.00083 | annual probability at a location | chance a given location in the county has at least minor-damage shaking in a year: 0.083% | not shown | modeled | see B1-f | No descriptor (Storm Events does not record earthquakes). | ||
| Hail | 0.609 | events per year | about 0.61 per year | Likely | FEMA annualized frequency (modeled) | 25.4 (modeled) | 1986 to 2023 (38 years) | countywide | |
| Heat Wave | 6.7 | event-days per year | about 6.7 days per year | Possible | Storm Events event-days in 2 of 30 years, 1996 to 2025 (6.67%) | 57.6 | 2005-11-12 to 2024-11-12 (19 years) | countywide | |
| Hurricane | 0.259 | events per year | about 1 in 4 years | Likely | FEMA annualized frequency (modeled) | 106 | 1851 to 2024 (Atlantic) | see B1-f | NRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d. |
| Inland Flooding | 2 | event-days per year | about 2 days per year | Likely | Storm Events event-days in 21 of 30 years, 1996 to 2025 (70%) | 56 | 1996 to 2023 (28 years) | see B1-f | |
| Landslide | 0.0887 | events per year (modeled) | about 1 in 11 years | Possible | FEMA annualized frequency (modeled) | not shown | modeled | see B1-f | |
| Lightning | 87.4 | days per year with a strike | about 87.4 days per year | Highly likely | FEMA annualized frequency (modeled) | not shown | 1995 to 2023 (29 years; CONUS) | countywide | |
| Strong Wind | 0.998 | events per year | about 1 per year | Likely | FEMA annualized frequency (modeled) | 23 | 1986 to 2023 (38 years) | countywide | |
| Tornado | 0.774 | events per year | about 0.77 per year | Likely | FEMA annualized frequency (modeled) | not shown | 1950 to 2023 (EF2+); 1986 to 2023 (EF0-1) | see B1-f | |
| Tsunami | annual probability at the most exposed location (used in place of a county value) | Storm Events records in 0 of 30 years, 1996 to 2025 (0%) | not shown | modeled | see B1-f | No descriptor: no Storm Events record 1996 to 2025 | |||
| Wildfire | 0.00191 | annual probability at a location | chance a given location in the county burns in a year: 0.191% | Likely | Storm Events records in 3 of 30 years, 1996 to 2025 (10%) | not shown | modeled | see B1-f | |
| Winter Weather | 0.157 | event-days per year | about 0.157 days per year | Likely | Storm Events event-days in 3 of 30 years, 1996 to 2025 (10%) | 1.57 | 2005-11-12 to 2024-11-12 (19 years) | countywide |
FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.
Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.
Descriptor scale used in this packet (defined per unit)
Sources: 5, 6
| Unit | Descriptor | Definition |
|---|---|---|
| events per year | Highly likely | 1 or more per year |
| events per year | Likely | about once in 1 to 10 years |
| events per year | Possible | about once in 10 to 100 years |
| events per year | Unlikely | less than once in 100 years |
| annual probability | Likely | 10% to under 100% chance in a given year |
| annual probability | Possible | 1% to under 10% chance in a given year |
| annual probability | Unlikely | under 1% chance in a given year |
| event-days (share of years) | Highly likely | event-days recorded in 90% or more of years |
| event-days (share of years) | Likely | event-days recorded in 10% to under 90% of years |
| event-days (share of years) | Possible | event-days recorded in some years but under 10% of years |
| lightning strike-days | Highly likely | cloud-to-ground strikes on 1 or more days per year |
Intensity bands: historical frequency (Storm Events)
Source: 6
| Hazard | Band | Years | Eventscounty-coded records | Years in period | Events per yearevents / years |
|---|---|---|---|---|---|
| Hail | 1.00-1.99 in | 1996 to 2025 | 31 | 30 | 1.03 |
| Hail | 2.00 in+ | 1996 to 2025 | 1 | 30 | 0.0333 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 50-64 kt | 1996 to 2025 | 199 | 30 | 6.63 |
| Thunderstorm Wind (counted as NRI Strong Wind) | 65 kt+ | 1996 to 2025 | 21 | 30 | 0.7 |
| Thunderstorm Wind (counted as NRI Strong Wind) | unmeasured or below 50 kt | 1996 to 2025 | 15 | 30 | 0.5 |
| Tornado | EF0-1 | 1996 to 2025 | 38 | 30 | 1.27 |
| Tornado | EF2-3 | 1996 to 2025 | 6 | 30 | 0.2 |
| Tornado | EF4-5 | 1996 to 2025 | 0 | 30 | 0 |
| Tornado | unrated (EFU) | 1996 to 2025 | 0 | 30 | 0 |
The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).
Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.
Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).
Supports FEMA checklist item B1-f: hazards that vary across jurisdictions
Range of census tract risk within the county
Source: 5
| Hazard | Tractsrated of all | NRI risk score, 0 to 100 | Tracts by rating | ||
|---|---|---|---|---|---|
| Min | Median | Max | |||
| Coastal Flooding | 47 of 49 | 76.3 | 88.5 | 96.9 | Relatively High 4, Relatively Moderate 19, Relatively Low 22, Very Low 2, No Rating 2 |
| Cold Wave | 49 of 49 | 18.2 | 60.4 | 82.0 | Relatively High 2, Relatively Moderate 36, Relatively Low 10, Very Low 1 |
| Drought | 7 of 49 | 67.8 | 74.7 | 80.0 | Relatively Low 1, Very Low 6, No Rating 42 |
| Earthquake | 49 of 49 | 5.9 | 22.4 | 54.5 | Relatively Low 3, Very Low 46 |
| Hail | 49 of 49 | 7.2 | 27.9 | 37.5 | Relatively Low 1, Very Low 48 |
| Heat Wave | 49 of 49 | 2.5 | 54.0 | 79.9 | Relatively Moderate 23, Relatively Low 24, Very Low 2 |
| Hurricane | 49 of 49 | 92.0 | 98.7 | 99.9 | Very High 32, Relatively High 17 |
| Inland Flooding | 49 of 49 | 1.9 | 22.2 | 71.4 | Relatively Moderate 7, Relatively Low 24, Very Low 18 |
| Landslide | 49 of 49 | 12.3 | 44.1 | 84.2 | Relatively Low 1, Very Low 48 |
| Lightning | 49 of 49 | 22.8 | 94.8 | 99.3 | Very High 24, Relatively High 18, Relatively Moderate 6, Relatively Low 1 |
| Strong Wind | 49 of 49 | 21.3 | 55.7 | 72.8 | Relatively Moderate 27, Relatively Low 22 |
| Tornado | 49 of 49 | 42.5 | 79.3 | 94.8 | Very High 2, Relatively High 27, Relatively Moderate 17, Relatively Low 3 |
| Tsunami | 0 of 49 | Insufficient Data 49 | |||
| Wildfire | 46 of 49 | 19.2 | 76.0 | 91.7 | Relatively Moderate 3, Relatively Low 26, Very Low 17, No Rating 3 |
| Winter Weather | 49 of 49 | 18.6 | 28.9 | 38.7 | Relatively Low 49 |
Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.
Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.
The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.
Frequency data for cold wave, drought, hail, heat wave, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).
Each jurisdiction (starting figures from federal data)
Sources: 1, 3, 4, 6
| Jurisdiction | Type | Plan status | Repetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definition | Public Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollars | Event records naming this placeall years; since its plan | Notes |
|---|---|---|---|---|---|---|
| Bay County (unincorporated area) | Unincorporated | Approved, expires 2030-09-15 | FMA RL 36, SRL 43; any 260 | $335,083,944.53 | 0 total; 0 since its plan | |
| Callaway city | City | Approved, expires 2030-09-15 | FMA RL 9, SRL 7; any 38 | $27,758,572.73 | 3 total; 0 since its plan | |
| Lynn Haven city | City | Approved, expires 2030-09-15 | FMA RL 31, SRL 16; any 103 | $44,958,034.80 | 41 total; 1 since its plan | |
| Mexico Beach city | City | Approved, expires 2030-09-15 | FMA RL 12, SRL 9; any 32 | $107,320,830.42 | 10 total; 4 since its plan | |
| Panama City Beach city | City | Approved, expires 2030-09-15 | FMA RL 22, SRL 19; any 133 | $11,757,807.10 | 34 total; 0 since its plan | Includes $16,170.32 for declarations not counted as hazard incidents (DR-4486-FL). |
| Panama City city | City | Approved, expires 2030-09-15 | FMA RL 19, SRL 10; any 101 | $155,282,364.20 | 55 total; 1 since its plan | Includes $82,363.35 for declarations not counted as hazard incidents (DR-4486-FL). |
| Parker city | City | Approved, expires 2030-09-15 | FMA RL 1, SRL 2; any 6 | $13,640,130.20 | 24 total; 0 since its plan | |
| Springfield city | City | Approved, expires 2030-09-15 | FMA RL 1, SRL 3; any 13 | $35,363,684.43 | 26 total; 0 since its plan |
Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).
School districts and special districts get a plan clock row only.
County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.
Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts
Local data needed
The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
County-level starter: exposure, expected annual loss and damage since the plan
Sources: 1, 2, 3, 5, 6, 7
| Hazard | Building exposuremodeled dollars | Agriculture exposuremodeled dollars | Population exposedpeople | EAL buildingsmodeled dollars per year | EAL agriculturemodeled dollars per year | Cost of expected deaths and injuriesFEMA's dollar value per year, not property damage | EAL as % of exposurebuildings; agriculture where noted | Storm Events damage since 2025-09-15county-coded records, property plus crops, nominal dollars | Zone-level damage since planproperty plus crops, reported for the zone | Public Assistance since plannominal dollars; see note | Note |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Coastal Flooding | $9,772,339,018 | n/a | 42,059 | $1,642,485 | n/a | $272,394 | 0.0168% | ||||
| Cold Wave | $36,278,108,411 | $3,735,988 | 174,869 | $13,541 | $2,000 | $3,591,624 | under 0.0001% | ||||
| Drought | n/a | $2,147,535 | n/a | n/a | $2,044 | n/a | 0.0952% (agriculture) | NRI has no building exposure for this hazard; agriculture shown | |||
| Earthquake | $63,176,022,191 | n/a | 175,216 | $267,270 | n/a | $110,593 | 0.000423% | ||||
| Hail | $36,278,108,411 | $3,735,988 | 174,869 | $18,469 | $61 | $57,402 | under 0.0001% | ||||
| Heat Wave | $36,278,108,411 | $3,735,988 | 174,869 | $160 | $13 | $2,053,405 | under 0.0001% | ||||
| Hurricane | $36,277,593,644 | $3,735,988 | 174,865 | $112,330,878 | $40,510 | $5,433,295 | 0.31% | ||||
| Inland Flooding | $36,187,733,721 | $278,392 | 27,505 | $15,838,754 | $6,157 | $921,600 | n/a (see note) | NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. | |||
| Landslide | $90,921,765 | n/a | 373 | $420 | n/a | $4 | 0.000462% | ||||
| Lightning | $36,278,108,411 | n/a | 174,869 | $133,305 | n/a | $2,908,235 | 0.000367% | ||||
| Strong Wind | $36,278,108,411 | $3,735,988 | 174,869 | $418,404 | $22 | $518,672 | 0.00115% | $111,000 | |||
| Tornado | $36,278,108,411 | $3,735,988 | 174,869 | $2,800,414 | $74 | $8,203,826 | 0.00772% | $525,000 | |||
| Tsunami | n/a | n/a | n/a | n/a | n/a | n/a | NRI publishes no building exposure for this county | ||||
| Wildfire | $1,449,411,543 | $1,371,092 | 16,179 | $246,863 | $20 | $47,493 | 0.017% | ||||
| Winter Weather | $36,275,354,361 | $3,735,988 | 174,855 | $20,428 | $1 | $14,825 | under 0.0001% |
Totals since 2025-09-15 (Storm Events through 2026-06-30): 12 county-coded records, 12 with a damage value recorded (including $0), $636,000; 9 zone-level records, 0 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: no counted declaration since the plan.
FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.
NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.
Supports FEMA checklist item B2-a: vulnerability (county context)
County context
Source: 5
| Measure | Value |
|---|---|
| Population | 174,869 |
| Building value (total, not at risk) | $36,278,108,411 |
| Agriculture value (total, not at risk) | $3,735,988 |
| NRI risk rating (all hazards) | Relatively Moderate |
| Expected annual loss, buildings and agriculture, all hazards | $133,782,292 |
| Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage) | $24,133,368 |
| Social vulnerability rating | Relatively Low |
| Community resilience rating | Relatively Low |
| NRI version | December 2025 |
FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.
Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.
Supports FEMA checklist item B2-c: repetitive loss properties
Repetitive loss in this county, both definitions
Sources: 1, 4
| Definition | Properties | Severe repetitive loss | Properties |
|---|---|---|---|
| Repetitive loss, FMA definition (44 CFR 77.2) | 131 | Severe repetitive loss, FMA definition (44 CFR 77.2) | 109 |
| Repetitive loss, NFIP insurance definition | 639 | Severe repetitive loss, NFIP insurance definition | 86 |
The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).
Repeat-flood properties: county and state-level rows
Sources: 1, 4
| Scope | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| County total | 131 | 109 | 639 | 86 | 687 | 8 | 266 |
| of which: Bay County (unincorporated area) | 36 | 43 | 251 | 38 | 260 | 1 | 88 |
| of which: Callaway city | 9 | 7 | 35 | 5 | 38 | 0 | 15 |
| of which: Lynn Haven city | 31 | 16 | 94 | 12 | 103 | 5 | 41 |
| of which: Mexico Beach city | 12 | 9 | 22 | 4 | 32 | 1 | 7 |
| of which: Parker city | 1 | 2 | 6 | 2 | 6 | 0 | 1 |
| of which: Panama City city | 19 | 10 | 98 | 9 | 101 | 0 | 51 |
| of which: Panama City Beach city | 22 | 19 | 119 | 14 | 133 | 1 | 55 |
| of which: Springfield city | 1 | 3 | 13 | 2 | 13 | 0 | 8 |
| of which: Unknown (community ID Unknown in FEMA data) | 0 | 0 | 1 | 0 | 1 | 0 | 0 |
| Statewide, no county in FEMA's file | 0 | 1 | 9 | 0 | 10 | 0 | 1 |
The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.
Repeat-flood properties by jurisdiction in the plan (NFIP community)
Sources: 1, 4
| Jurisdiction | NFIP community ID | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|---|
| Bay County (unincorporated area) | 120004 | 36 | 43 | 251 | 38 | 260 | 1 | 88 |
| Callaway city | 120005 | 9 | 7 | 35 | 5 | 38 | 0 | 15 |
| Lynn Haven city | 120009 | 31 | 16 | 94 | 12 | 103 | 5 | 41 |
| Mexico Beach city | 120010 | 12 | 9 | 22 | 4 | 32 | 1 | 7 |
| Panama City Beach city | 120013 | 22 | 19 | 119 | 14 | 133 | 1 | 55 |
| Panama City city | 120012 | 19 | 10 | 98 | 9 | 101 | 0 | 51 |
| Parker city | 120011 | 1 | 2 | 6 | 2 | 6 | 0 | 1 |
| Springfield city | 120014 | 1 | 3 | 13 | 2 | 13 | 0 | 8 |
Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".
Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.
County repeat-flood properties by occupancy group
Sources: 1, 4
| Occupancy group | RL, FMAproperties | SRL, FMAproperties | RL, NFIPproperties | SRL, NFIPproperties | Any categoryproperties | Mitigatedproperties | Currently insuredproperties |
|---|---|---|---|---|---|---|---|
| single-family residential | 112 | 82 | 504 | 64 | 543 | 6 | 218 |
| 2 to 4 unit residential | 8 | 4 | 35 | 4 | 39 | 0 | 7 |
| other residential | 4 | 10 | 49 | 9 | 51 | 0 | 20 |
| non-residential | 7 | 13 | 51 | 9 | 54 | 2 | 21 |
| not reported | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.
FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.
Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.
In this county 35 properties are FMA repetitive loss but not NFIP repetitive loss, and 543 properties are NFIP repetitive loss but not FMA repetitive loss.
Exact counts; no count suppression.
Sources
Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):
- FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
- FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
- FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
- FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
- FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
- NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
- NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
- U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)
What this packet is and what the plan adds
This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.
The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.
How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.
OpenFEMA disclaimer
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Reuse, citation and corrections
Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.
Cite this: Hazard Plain (2026). Bay County, FL: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 12005). Automated baseline. https://hazardplain.org/fl/12005/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.
Corrections: to report an error, name the packet, the table and what your records show. Contact: contact@hazardplain.org