Home / Flood Insurance Claims / Florida / Bay County
Bay County Flood Insurance Claims
National Flood Insurance Program, 1978–2026 · 16th highest paid in Florida
Claims
9,002
Total paid
$336.6M
Average / claim
$37K
Building / contents
$278.8M / $57.7M
Paid by decade
1970s$80K · 35 claims
1980s$885K · 380 claims
1990s$150.7M · 3,975 claims
2000s$26.7M · 1,150 claims
2010s$140.8M · 2,884 claims
2020s$17.4M · 578 claims
Worst years by dollars paid
| 1995 | $139.6M | 3,026 claims |
| 2018 | $125.4M | 2,185 claims |
| 2005 | $16.3M | 528 claims |
| 2013 | $13.6M | 528 claims |
| 2020 | $10.7M | 347 claims |
Full disaster history for Bay County →
Most-paid counties in Florida
Source: FEMA OpenFEMA, NFIP Redacted Claims v3 (OpenFEMA NfipClaims v3, retrieved 2026-09) — dollars actually paid on closed claims, summed from individual claim transactions. This is a record of the past. It is not a flood-risk forecast, an insurance rating, or a judgment about any specific property. For current risk see FEMA's Flood Map Service Center and National Risk Index.