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Flood insurance cost · ZIP 32404 · FL

Flood insurance cost in ZIP 32404 (unincorporated Bay County, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,427 home policies in force on August 31, 2026.

ZIP code 32404 (unincorporated Bay County, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,018a year

Half of insured homes paid between $584 and $1,416. That is 11% more than the Bay County median ($917). The most common flood zone for insured homes here is zone X (42%).

$0$584 · $1,018 · $1,416$1,770
+12.1% vs Aug 31, 2025 (median $908)
1,427home policies in force
$1,199average cost (mean)
58%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 32404

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,504$1,104–$2,250$1,784542 (38%)+17.7%
Zone A
High risk		$556$479–$756$668282 (20%)+1.5%
Zone X
Moderate to low risk		$824$553–$1,138$909597 (42%)+4.3%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 32404, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,325$1,033$1,209
2–4 unit building27$2,459$1,822
Manufactured (mobile) home70$608$825
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		15$2,773$3,218
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		56$1,192$1,858

Not shown (fewer than 10 policies): condo or apartment unit.

1,498NFIP policies in force, any building
1,502insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 32404

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,5691,427−9.1%
Median annual cost$908$1,018+12.1%
Average annual cost$1,079$1,199+11.1%
All policies in force (any building)1,6461,498−9.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 32404 have filed 838 flood claims. 529 received a payment, for a total of $18.0 million (an average of $33,956 per paid claim). The year with the most claims was 2018 (294 claims). Amounts are in dollars of the time, not adjusted for inflation.

0100200300400198019901995: 187 claims, 153 paid, $5,848,283 in total19951998: 28 claims, 21 paid, $292,552 in total1999: 27 claims, 19 paid, $220,264 in total20002004: 32 claims, 19 paid, $296,677 in total2005: 71 claims, 56 paid, $1,582,312 in total20052008: 30 claims, 27 paid, $716,327 in total20102013: 24 claims, 13 paid, $797,549 in total2018: 294 claims, 121 paid, $4,990,602 in total20182019: 12 claims2020: 27 claims, 16 paid, $566,087 in total20202021: 47 claims, 41 paid, $1,646,520 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (11)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20214741$1,646,520$40,159
20202716$566,087$35,380
201912<10––
2018294121$4,990,602$41,245
20132413$797,549$61,350
20083027$716,327$26,531
20057156$1,582,312$28,256
20043219$296,677$15,615
19992719$220,264$11,593
19982821$292,552$13,931
1995187153$5,848,283$38,224

From 2016 to 2026: 380 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Unincorporated Bay County (624 home policies) · Callaway (585 home policies) · Parker (97 home policies) · Springfield (50 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.