Bay County, Florida
20 ZIP codes · Avg score 96/100 · Grade A
ZipCheckup grade for Bay County: A.
Checked records flag no major concern; missing data is unknown.
Across Bay County, ZIP-level Home Safety Scores average out to a grade in the top two bands; the page tracks 20 ZIP codes in all.
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
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%)
Modeled additional annual cost estimate per homeowner: $2,712, largest modeled factor: Flood
25% of homes built before 1980 (lead paint was banned for residential use in 1978)
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 DWINSA infrastructure needs, EPA SDWIS violations, and EPA lead indicators.
Compound Risk Breakdown
Estimated additional annual cost per homeowner: $2,712
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
Modeled remediation costs in Bay County can be compared with the median property value; actual costs vary by property.
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 mapped to Bay County ZIP codes
8 community water systems mapped to Bay County ZIP codes; EPA may list more systems serving the county.
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Show all 8 water systems
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13 water systems mapped to Bay County ZIP codes in our data; EPA may list more systems serving the county.
Systems with the most violations in Bay County
5 water systems with violations in EPA records.
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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
Which guides appear depends on what the county data show.
- 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.