Bay County, Florida
21 ZIP codes · Avg score 75/100 · Grade B · Updated 2026-06-03
Bay County — 21 ZIP codes, above-average safety grade.
How Bay County Compares
How Bay County Compares
Bay County scores 2 points above the Florida state average (73/100) and 7 points above the national average (68/100).
Data: EPA SDWIS Last verified: 2026-06-03
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: 13.6 (asthma 10%, diabetes 12.2%)
Estimated additional annual cost per homeowner: $3,661, driven primarily by sea_level
Infrastructure: 0.253% avg pipe failure probability, 5% of ZIPs at high risk
33.8% 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: 2024 with 13 violations. Past 5 years: 42 total (42 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
Sources: Census ACS (housing age), EPA SDWIS (infrastructure risk model), state bridge inspection data.
Compound Risk Breakdown
Estimated additional annual cost per homeowner: $3,661
Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).
Housing Age Distribution
115,533 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 with Most Violations
Top 5 systems in Bay County ranked by EPA violation count.
| # | Water System | Population | Violations |
|---|---|---|---|
| 1 | City of Tallahassee, | 200,480 | 157 |
| 2 | Florida State Prison | 5,980 | 157 |
| 3 | Water Mgmt Services (st. George Island) | 5,272 | 157 |
| 4 | Reception and Medical Center | 3,000 | 157 |
| 5 | Avon Park Correctional Institution | 3,000 | 157 |
17 total water systems serve Bay County.
All ZIP Codes in Bay County
21 ZIP codes tracked in Bay County.
| # | ZIP Code | City | Safety Score | Grade | Violations | Home Value |
|---|---|---|---|---|---|---|
| 1 | 32087 | Sanderson | 94 | A | 2 | $244K |
| 2 | 32406 | Panama City | 94 | A | 14 (1 health) | — |
| 3 | 32403 | Panama City | 91 | A | 14 (1 health) | — |
| 4 | 32411 | Panama City | 91 | A | 14 (1 health) | — |
| 5 | 32417 | Panama City | 91 | A | 14 (1 health) | — |
| 6 | 32402 | Panama City | 86 | A | 14 (1 health) | — |
| 7 | 32409 | Panama City | 81 | B | 14 (1 health) | $222K |
| 8 | 32401 | Panama City | 76 | B | 14 (1 health) | $207K |
| 9 | 32404 | Panama City | 76 | B | 14 (1 health) | $240K |
| 10 | 32407 | Panama City Beach | 73 | B | 1 | $404K |
| 11 | 32413 | Panama City Beach | 73 | B | 1 | $384K |
| 12 | 32457 | Port Saint Joe | 73 | B | 0 | — |
| 13 | 32405 | Panama City | 71 | B | 14 (1 health) | $255K |
| 14 | 32408 | Panama City | 71 | B | 14 (1 health) | $352K |
| 15 | 32315 | Tallahassee | 70 | B | 157 (16 health) | — |
| 16 | 32410 | Mexico Beach | 68 | C | 7 (5 health) | $363K |
| 17 | 32437 | Ebro | 65 | C | 0 | $114K |
| 18 | 32466 | Youngstown | 65 | C | 0 | $167K |
| 19 | 32444 | Lynn Haven | 63 | C | 7 | $293K |
| 20 | 32461 | Rosemary Beach | 60 | C | 0 | $948K |
| 21 | 32456 | Port Saint Joe | 50 | D | 0 | $338K |
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
Deep Dive Reports
Detailed analysis for Bay County, Florida
Overview
Bay County in Florida covers 21 ZIP codes with an average Home Safety Score of B (75/100).
16 of 21 ZIP codes have recorded EPA violations. 31 health-based violations have been documented.
← Back to Florida water quality report
Data Sources
- Water quality: EPA Safe Drinking Water Information System (SDWIS)
- Home values: U.S. Census Bureau ACS (median estimates by ZCTA)
Updated daily.