ZipCheckup grade for 32565: B.

This ZIP has a few items worth a quick check.

Your top priority: use a filter certified to reduce PFAS; check which ones. Check your ZIP → EPA PFAS info

Water Quality Report
B 80

Jay, FL (32565): PFAS Above 2029 MCL Level - 80/100

EPA data combined for 7 water systems mapped to this ZIP (largest mapped system: Moore Creek Mount Carmel Utilities)

PFAS Detected

EPA records for the water systems mapped to 32565 in Jay, FL contain 7 recorded violations for inclusive record years 2021 through 2026, all mapped systems combined; 0 are marked health-based.

Data source: U.S. Environmental Protection Agency (EPA) SDWIS

Based on EPA Drinking Water FEMA Flood Data U.S. Census CDC Energy Information Admin. USGS Water Data & 9 more federal sources
Latest air quality, EPA records and weather alerts Current data temporarily unavailable
Current EPA violation data unavailable
Water records and current conditions
Current EPA violation data unavailable
Safety Score
B 80/100
Water Quality PFAS above MCL 7 non-health-based violation records in EPA data
Lead Risk Below action level 0.0017 mg/L, 90th percentile, sample period ending 2024-06-01
NFIP Claim History Claim records 5 claims
Data confidence: High (direct measurement) Medium (sampled / sub-geography) Low (modeled / inferred) Methodology →

At a Glance

  • Water EPA records for water systems mapped to this ZIP show 7 violations (non-health) (since 2021).
  • Lead The reported 90th-percentile lead result of 0.0017 mg/L is below the EPA action level for water systems; EPA's health goal for lead is zero.
  • PFAS At least one PFAS result is above an EPA MCL value (UCMR5 sampling; MCL compliance required from 2029).
  • Radon EPA Zone 3 - county-level radon potential, not evidence of a low home result.
  • Flood 5 cumulative NFIP claim records. Claim evidence is historical, not current map coverage.
Contaminant Summary
Violations on record (not health-based)
7 violations PFAS detected
Report data assembled: Jul 27, 2026 EPA water-system identity: source date or period is not present in ZipCheckup's accepted source record EPA violation history: more than two update cycles old Lead, copper and UCMR measurements: source date or period is not present in ZipCheckup's accepted source record
B
ZIP-level Home Safety model score: 80 / 100
Home Safety Score higher than 60% of ZIP codes nationwide
7
Water Systems
4,875
People Served
0
Health Violations (since 2021)
Groundwater
Water Source
0.0017 mg/L
Reported Lead Result
Zone 3
County Radon Potential · Low
$215K
Median Home Value27% below state median ($296K)

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Score Breakdown

Overall Home Safety Score: 80/100

This is the published model score. Component and domain values are shown independently; they are not added together on this page.

Canonical components

EPA water compliance
78/100
Observed
PFAS MCL screen
0/100
Observed
EPA radon zone
100/100
Observed
Annual EPA AirData AQI
100/100
Observed

Required domains

Drinking water
39/100
Indoor environment
100/100
Outdoor environment
100/100

Coverage: 4 of 4 components and 3 of 3 domains observed.

Model 4.0.0; series home-safety-v4-cross-vertical.

Safety & Health (6) HIGH

Your Water System

ZIP code 32565 in Jay, Florida is mapped to the water system Moore Creek Mount Carmel Utilities (EPA ID: FL1570479). This system provides water to approximately 4,875 people from groundwater sources.

There are 7 community water systems serving this area.

Lead & Copper in Your Water

The EPA requires water systems to monitor lead and copper levels under the Lead and Copper Rule.

Metal Measured Level EPA Action Level Status Sample Date or Period
Copper Action-level exceedance on record 1.3 mg/L Exceeds action level Not present in ZipCheckup accepted source data
How to read the copper row. EPA's reporting schema defines the copper CU90 code as an action-level exceedance (a system's 90th-percentile copper above the 1.3 mg/L action level), so this row reflects an exceedance on record, not a routine measurement. No copper concentration is shown because no verified unit is available for this value. A system with no copper record has not been shown to be clean: the absence of a recorded exceedance is not a measurement.

Water Systems Serving This Area

System Name EPA ID Population Source
Moore Creek Mount Carmel Utilities FL1570479 4,875 Groundwater
Jay, Town of - Utilities Department FL1570384 1,834 Groundwater
Berrydale Water System FL1570064 2,800 Groundwater
Point Baker Water System, Inc. FL1570540 11,318 Groundwater
Chumuckla Water System, Inc. FL1570140 5,527 Groundwater

Other Water Quality Reports in Florida

Nearby Water Quality Reports

Data Sources

This report uses public data from the EPA Safe Drinking Water Information System (SDWIS). View available EPA compliance records for Moore Creek Mount Carmel Utilities (FL1570479) on EPA.gov.

4 of the top compounds applied across the surrounding county in USGS pesticide-use estimates appear on EPA drinking-water monitoring lists. See the agricultural pesticide-use section.

📊 EPA Safe Drinking Water · View source →

PFAS Contamination Detected

PFAS ("forever chemicals") have been reported in samples from water systems associated with ZIP code 32565. One or more compound results are above the level of a federal PFAS MCL with compliance required from 2029.

Detected compounds: PFOS, PFHxS, PFBS.

Highest measured level: 0.0302 µg/L

Reverse osmosis (RO) and activated carbon block filters can reduce PFAS at the tap. Certifications list the compounds covered: an NSF/ANSI 53 or 58 claim for PFOA/PFOS does not cover every PFAS, so check that the product lists the compounds detected here.

📊 EPA UCMR5 · View source →
Environmental Hazards (11) MODERATE
Home & Infrastructure (7) OK
Cost & Community (9) HIGH

CPSC product recall notices

These national notices are not matched to this ZIP code or water system.

View all recalls →

📊 CPSC · View source →

Protect Your Home in Jay

Based on local data for ZIP 32565, these services may benefit homeowners in your area.

Based on local data for your area. Use the tools below to explore your options.

Home & Flood Insurance

The ZIP code for this report in Jay has 5 FEMA flood claims on record. Standard homeowner policies don't cover flood damage - make sure you're protected.

Typical cost: Flood insurance: premiums vary by property and flood zone; request a quote

Check Your Flood Zone (Free)

FEMA flood map lookup - see if your property is in a flood zone

Free tip: Check your FEMA flood zone at msc.fema.gov (free lookup)

Gutter Installation & Repair

The median home in 32565 was built around 1984. Aging gutters can cause foundation damage, basement flooding, and mold - a professional assessment can prevent costly repairs.

Typical cost: Gutter installation: typically $1,000–$2,500 for a standard home

Estimate Your Home Maintenance Costs

Window Replacement

The median build year of homes in Jay is 1984; check the age and condition of your own windows. ENERGY STAR windows can save $101–$583/year on energy bills.

Typical cost: Window replacement: typically $300–$800 per window installed

Estimate Your Home Maintenance Costs

Roofing Inspection & Repair

Active weather alerts in Florida increase the risk of roof damage from hail and high winds. A professional inspection can identify vulnerabilities.

Typical cost: Roof inspection: typically $75–$300; repairs $300–$1,500

Estimate Your Home Insurance Needs

Service recommendations are based on public data for this ZIP code (FEMA, Census ACS, NWS). Actual needs vary by property. By calling, your information will be shared with an independent service provider. ZipCheckup may receive compensation. Cost estimates are approximate and vary by property, condition, and contractor.

Frequently Asked Questions

Is the tap water in 32565 safe to drink?

EPA SDWIS records 7 violations since 2021 across the water systems mapped to ZIP 32565 (primary system: Moore Creek Mount Carmel Utilities), including 0 health-based. The violation table above shows which system each record belongs to. ZipCheckup last updated this page in July 2026. The federal source release date is unavailable, so that month is not presented as source currency.

Where does 32565's water come from?

The recorded water source for Moore Creek Mount Carmel Utilities, a system mapped to ZIP code 32565, is Groundwater. This system serves approximately 4,875 people.

How does Jay water compare to the national average?

Jay's Home Safety Score ranks better than 60% of U.S. ZIP codes, and lower than 53% of ZIP codes within Florida.

How can I get my water tested in Jay?

If Moore Creek Mount Carmel Utilities supplies your home, contact it for its Consumer Confidence Report; otherwise contact the water utility that serves your address, or hire a certified lab for independent home water testing. The EPA recommends annual testing if you use a private well.

Is lead a concern in 32565 tap water?

The Lead and Copper Rule record selected for 32565 reports a 90th-percentile lead result of 0.0017 mg/L for a water system mapped to this ZIP (record date 2024-06-01). The EPA action level is 0.015 mg/L. This result is below the EPA action level; it does not show the lead level in each home.

What is the radon risk for 32565?

32565 is mapped to a county in EPA Radon Zone 3 (low county-level radon potential; EPA recommends testing every home), located in Santa Rosa County. EPA radon zones range from Zone 1 (highest county-level potential) to Zone 3 (lowest). Testing your home is recommended regardless of zone.

Are there PFAS (forever chemicals) in 32565's water?

Yes, PFAS have been detected in samples from water systems mapped to 32565. One or more PFAS results are above the level of a federal PFAS MCL with compliance required from 2029. Reverse osmosis and activated carbon filters certified to NSF/ANSI 53 or 58 specifically for PFOA/PFOS reduction can reduce PFAS.

What does the NFIP claim history show for ZIP 32565?

FEMA records contain 5 flood insurance claims filed in ZIP code 32565; the recorded rated-zone value (the most frequent one if there are several claims) is X, which is claims evidence and may differ from the current FEMA map zone for a property. Claim records do not establish current property risk. Review FEMA's map for the specific property.

How to cite this page

APA ZipCheckup. (2026). Jay, FL (32565): PFAS Above 2029 MCL Level - 80/100. https://zipcheckup.com/report/32565/
BibTeX 
@misc{zipcheckup-report-32565,
  author = {{ZipCheckup}},
  title  = {{Jay, FL (32565): PFAS Above 2029 MCL Level - 80/100}},
  year   = {2026},
  url    = {https://zipcheckup.com/report/32565/}
}

Page version: October 2026.

Nearby ZIP Code Reports

Water quality comparison for ZIP codes near 32565

ZIP Code City, State Distance Grade Violations
32535 Century, FL 12.2 mi B 16
36441 Flomaton, AL 12.6 mi N/A 118
36427 Brewton, AL 14.7 mi N/A 0
32571 Milton, FL 16.0 mi B 0
36426 Brewton, AL 16.1 mi N/A 124
32570 Milton, FL 17.2 mi B 7
32572 Milton, FL 17.3 mi N/A 0
32568 Mc David, FL 19.1 mi B 2
32577 Molino, FL 20.8 mi A 2
32530 Bagdad, FL 21.6 mi N/A 0

Contaminants Detected in 32565

Learn more about the contaminants found in your water supply:

Overall safety breakdown

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Coverage: 14/17 risk factors Data sources →
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