Bay County, Florida
20 ZIP codes · Avg score 96/100 · Grade A · Updated
ZipCheckup grade for Bay County: A.
No federal data flags a major home-safety concern for this ZIP.
Bay County - 20 ZIP codes, above-average safety grade.
How Bay County Compares
How Bay County Compares
Bay County scores 16 points above the Florida state average (80/100) and 23 points above the national average (73/100).
Data: ZipCheckup Home Safety Score model 4.0.0; EPA SDWIS, UCMR 5, EPA radon zones, EPA AirData Last verified:
ZIP Code Risk Map
Water Quality Map: Bay County, Florida
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
Key Risk Factors
Health risk index: 13.4 (asthma 10%, diabetes 11.9%)
Estimated additional annual cost per homeowner: $2,844, driven primarily by flood
36.1% of homes built before 1978 (lead paint era)
Violation History (2021–2025)
↑ Worsening trendEPA violation counts by year across Bay County water systems. Health-based shown in red, total in blue.
Peak year: 2025 with 7 violations. Past 5 years: 20 total (20 health-based). Health-based violations are rising versus the prior 2-year window - worth closer monitoring.
Source: EPA SDWIS historical violations. Data may lag 6–12 months for the most recent year.
County Health Indicators vs National Average
Black markers indicate national averages. Source: CDC PLACES, Census ACS.
Infrastructure Overview
Modeled area-level indicator, not a failure probability. Sources: Census ACS housing age, EPA DWINS infrastructure needs, EPA SDWIS violations, and EPA lead indicators.
Compound Risk Breakdown
Estimated additional annual cost per homeowner: $2,844
Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).
Housing Age Distribution
112,003 housing units in Bay County
Source: U.S. Census Bureau ACS B25034 (Year Structure Built).
Water Safety Affordability
How much it costs to fix water issues relative to home values in Bay County
Remediation costs are relatively manageable for most homeowners in Bay County, representing a small fraction of property value.
Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.
Health Outcomes vs National Average
CDC PLACES data for Bay County residents
Black markers = national averages. Red = above national avg. Green = below. Source: CDC PLACES, Census ACS.
Water systems serving Bay County
8 community water systems serving Bay County.
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Show all 8 water systems
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13 total water systems serve Bay County.
Systems with the most violations in Bay County
5 water systems with recorded EPA violations.
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All ZIP Codes in Bay County
20 ZIP codes tracked in Bay County.
| # | ZIP Code | City | Safety Score | Grade | Violations | Home Value |
|---|---|---|---|---|---|---|
| 1 | 32407 | Panama City Beach | 100 | A | 0 | $404K |
| 2 | 32408 | Panama City | 100 | A | 0 | $352K |
| 3 | 32413 | Panama City Beach | 100 | A | 0 | $384K |
| 4 | 32405 | Panama City | 97 | A | 11 (4 health) | $255K |
| 5 | 32444 | Lynn Haven | 97 | A | 11 (4 health) | $293K |
| 6 | 32401 | Panama City | 95 | A | 12 (7 health) | $207K |
| 7 | 32410 | Mexico Beach | 95 | A | 6 (5 health) | $363K |
| 8 | 32404 | Panama City | 93 | A | 15 (7 health) | $240K |
| 9 | 32456 | Port Saint Joe | 86 | A | 35 (16 health) | $338K |
| 10 | 32087 | Sanderson | — | — | $244K | |
| 11 | 32315 | Tallahassee | — | — | — | |
| 12 | 32356 | Salem | — | — | — | |
| 13 | 32402 | Panama City | — | — | — | |
| 14 | 32403 | Panama City | — | — | — | |
| 15 | 32406 | Panama City | — | — | — | |
| 16 | 32409 | Panama City | — | — | 0 | $222K |
| 17 | 32411 | Panama City | — | — | — | |
| 18 | 32417 | Panama City | — | — | — | |
| 19 | 32438 | Fountain | — | — | 0 | $128K |
| 20 | 32466 | Youngstown | — | — | 0 | $167K |
Recommended Buyer Guides for Bay County
Strictly editorial - no paid placements influence which guides appear; the selection draws on NSF certifications and EPA detection records for water systems serving this county.
- Best Under-Sink Reverse Osmosis Systems — Multi-contaminant removal at the kitchen tap
- Best Sump Pumps — Flood is the top compound risk factor
- Best Mold Test Kits — Flood-driven moisture and mold risk
Deep Dive Reports
Detailed analysis for Bay County, Florida
Overview
Bay County in Florida covers 20 tracked ZIP records with an average Home Safety Score of A (96/100) across 9 scored records.
6 of 12 ZIP codes with a reported violation count in the available EPA record have recorded EPA violations. 23 health-based violations appear in the available health breakdown.
← Back to Florida Home Safety Profile
Data Sources
- Water quality: EPA Safe Drinking Water Information System (SDWIS)
- PFAS screening: EPA UCMR 5
- Radon zones: EPA Map of Radon Zones
- Air quality: EPA AirData annual AQI
- Home values: U.S. Census Bureau ACS (median estimates by ZCTA)
Reporting periods vary by source. Missing data is shown as unavailable, not as zero.