Bay County flood insurance
Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$520
As of 2026-08-31. A portfolio average, not a quote for a home.
- Policies in force, including condo units
- 31,024
- Cumulative recorded losses
- 9,008
- Net dollars paid
- $341,120,805
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
Find a flood zone in Bay County.
What these records tell you
Bay County’s 31,024 policy units describe the published NFIP book of business. The average combines different buildings, limits and deductibles. Private flood insurance is outside this dataset.
Historic net payments measure reported insured losses; they do not measure all economic damage or a home’s probability of flooding. The separate OpenFEMA release below provides a year-of-loss breakdown.
Nearby county records
These counties are closest by Census internal point; this list does not assert shared borders.
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
| Year of loss | Net payments |
|---|---|
| 1978 | $9,299 |
| 1979 | $70,804 |
| 1980 | $10,251 |
| 1981 | $5,687 |
| 1982 | $21,333 |
| 1983 | $8,121 |
| 1984 | $171,973 |
| 1985 | $635,836 |
| 1986 | $1,920 |
| 1987 | $3,406 |
| 1988 | $26,317 |
| 1989 | $0 |
| 1990 | $0 |
| 1991 | $359,075 |
| 1992 | $7,428 |
| 1993 | $0 |
| 1994 | $322,015 |
| 1995 | $139,561,136 |
| 1996 | $70,683 |
| 1997 | $20,444 |
| 1998 | $9,672,262 |
| 1999 | $674,531 |
| 2000 | $148,681 |
| 2001 | $71,759 |
| 2002 | $55,335 |
| 2003 | $147,123 |
| 2004 | $6,038,377 |
| 2005 | $16,490,248 |
| 2006 | $5,991 |
| 2007 | $1,611 |
| 2008 | $3,707,186 |
| 2009 | $195,967 |
| 2010 | $275,806 |
| 2011 | $12,272 |
| 2012 | $278,781 |
| 2013 | $13,566,722 |
| 2014 | $321,428 |
| 2015 | $88,129 |
| 2016 | $335,280 |
| 2017 | $149,941 |
| 2018 | $126,101,713 |
| 2019 | $338,897 |
| 2020 | $10,675,214 |
| 2021 | $6,293,420 |
| 2022 | $158,917 |
| 2023 | $134,183 |
| 2024 | $114,646 |
| 2025 | $16,469 |
| 2026 | $26,064 |
9,005 published claim records in this county series. Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.