Property Atlas

County hazard profile

Bay, FL

Florida · pop. 174,869 · FIPS 12005

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$158M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (49th percentile)

national median $15M/yr Bay $158M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 94.12/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 30.85/100
national median ~50 lower than most counties (31st percentile)
Community resilienceRelatively Low 29.45/100
national median ~50 lower than most counties (29th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Bay

The National Flood Insurance Program has paid 9,002 flood-insurance claims totaling $337.5M in Bay since 1978. The costliest year was 1995 ($139.6M paid).

Flood-insurance dollars paid by year of loss

1978: $9,299 paid 1979: $70,804 paid 1980: $10,251 paid 1981: $5,687 paid 1982: $21,333 paid 1983: $8,121 paid 1984: $171,973 paid 1985: $635,836 paid 1986: $1,920 paid 1987: $3,406 paid 1988: $26,317 paid 1989: $0 paid 1990: $0 paid 1991: $359,765 paid 1992: $7,428 paid 1993: $0 paid 1994: $322,015 paid 1995: $139,605,731 paid 1996: $70,683 paid 1997: $29,144 paid 1998: $9,672,762 paid 1999: $675,281 paid 2000: $148,681 paid 2001: $71,759 paid 2002: $55,335 paid 2003: $147,123 paid 2004: $6,038,377 paid 2005: $16,504,250 paid 2006: $5,991 paid 2007: $1,610 paid 2008: $3,707,546 paid 2009: $195,967 paid 2010: $275,911 paid 2011: $12,272 paid 2012: $278,781 paid 2013: $13,570,670 paid 2014: $321,428 paid 2015: $88,129 paid 2016: $335,280 paid 2017: $149,941 paid 2018: $126,165,721 paid 2019: $338,897 paid 2020: $10,675,214 paid 2021: $6,293,420 paid 2022: $158,917 paid 2023: $134,183 paid 2024: $114,646 paid 2025: $16,469 paid 2026: $0 paid 1995 · $139.6M 1978 2026
$337.5M
total paid
$37,493
average claim
$4.5M
largest single claim
46%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Bay, FL and where it ranks among U.S. counties. It is not a verdict on whether Bay is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.