Enter any address in Bay County, Florida to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| TROPICAL STORM HELENE | Tropical Storm | 2024-09-23 |
| HURRICANE HELENE | Hurricane | 2024-09-23 |
| TROPICAL STORM DEBBY | Tropical Storm | 2024-08-01 |
| HURRICANE DEBBY | Tropical Storm | 2024-08-01 |
| TROPICAL STORM IDALIA | Tropical Storm | 2023-08-27 |
| HURRICANE IDALIA | Hurricane | 2023-08-27 |
| HURRICANE IAN | Hurricane | 2022-09-23 |
| TROPICAL STORM IAN | Hurricane | 2022-09-23 |
| CHIPOLA FIRE COMPLEX | Fire | 2022-03-04 |
| 1707 ADKINS AVE FIRE | Fire | 2022-03-04 |
FEMA assigns flood zone designations to areas in Bay County, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Bay County, Florida that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.