States › Florida › Bay County › ZIP 32409
ZIP code 32409, Bay County, Florida
National Flood Insurance Program claims and payouts recorded for this ZIP code, with county context.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NFIP claims as of 8 Sep 2026.
OpenFEMA lists 191 NFIP claims for ZIP 32409 (Bay County, Florida), with $3.5M paid on 141 claims since 1978.
That is 2.1% of the 9,005 claims recorded across Bay County. The average paid claim in the ZIP is $25K, lower than the county average of $53K and the Florida average of $62K.
FEMA counts 15 repetitive-loss properties and 2 severe repetitive-loss properties in the ZIP (properties with two or more paid flood claims); their locations are not published.
At county level FEMA counts 13,382 residential flood policies in force, covering 17.9% of residential structures.
Compared with the county and state
| Measure | ZIP 32409 | Bay | Florida | US |
|---|---|---|---|---|
| Claims since 1978 | 191 | 9,005 | 448,618 | 2,680,429 |
| Share of claims paid | 74% | 70% | 70% | 78% |
| Average paid claim | $25K | $53K | $62K | $43K |
| Share of county claims | 2.1% | 100% | — | — |
| Repetitive-loss properties | 15 | 639 | 31,815 | — |
Claims by year of loss
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 0 | $0 |
| 1980s | 2 | $0 |
| 1990s | 74 | $2,042,755 |
| 2000s | 43 | $601,421 |
| 2010s | 61 | $813,656 |
| 2020s | 11 | $70,054 |
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2023 | 1 | 0 | $0 | — |
| 2021 | 6 | 3 | $27,361 | $9,120 |
| 2020 | 4 | 4 | $42,693 | $10,673 |
| 2018 | 52 | 25 | $795,823 | $31,833 |
| 2017 | 1 | 0 | $0 | — |
| 2013 | 6 | 5 | $13,357 | $2,671 |
| 2012 | 1 | 0 | $0 | — |
| 2010 | 1 | 1 | $4,476 | $4,476 |
| 2009 | 2 | 0 | $0 | — |
| 2005 | 22 | 19 | $383,800 | $20,200 |
| 2004 | 19 | 14 | $217,621 | $15,544 |
| 1998 | 7 | 6 | $105,035 | $17,506 |
| 1995 | 66 | 63 | $1,936,866 | $30,744 |
| 1991 | 1 | 1 | $854 | $854 |
| 1987 | 1 | 0 | $0 | — |
| 1980 | 1 | 0 | $0 | — |
Claims are counted by year of loss as recorded in OpenFEMA's redacted NFIP claims file; amounts combine building, contents and increased-cost-of-compliance payments. ZIP codes in the file are the policyholder's reported ZIP.
County context: Bay County
Bay County has 690 weather events in the NCEI record since 1950 (16 in the last 12 months), 49 federal disaster declarations, and an overall National Risk Index rating of "Relatively Moderate". Flood-type events recorded in the county: 180; hurricane-strength tracks within 50 miles: 18.
Hail: 68 · Tornado: 92 · Flood: 180 · Wind: 273 · Winter: 0 — full county page.
Questions and answers
How many flood insurance claims have been filed in ZIP 32409?
191 claims since 1978 in the OpenFEMA NFIP claims file, 141 of them with a payment.
How much has the NFIP paid out in ZIP 32409?
$3.5M across 141 paid claims (building, contents and increased-cost-of-compliance payments combined), about $25K per paid claim.
Which year had the most flood claims in 32409?
1995, with 66 claims and $1.9M paid.
What county is ZIP 32409 in?
Most claims in this ZIP carry the county code for Bay County, Florida; ZIP codes can cross county lines. The county page carries the storm record, declarations and risk index for the area.
Provenance
OpenFEMA NfipClaims v3 (as of 8 Sep 2026) and NfipMultipleLossProperties v1 (2 Aug 2026), aggregated by ZIP code and year of loss on this site; no property-level record is shown. County storm figures from NOAA NCEI through 30 Jun 2026. Built 1 Oct 2026. See the guide to redacted NFIP claims and the methodology.