Households in Bay County paid a median of $808 a year for flood insurance on single-family homes, calculated from 40,064 National Flood Insurance Program policies written since January 2023. That is about 10% below the statewide median of $893 across the same 2023 to 2026 period.
Premiums have climbed every year since 2023, so a figure pooled across four years sits below what a policy written today costs. The year-by-year table further down shows where Bay County stands now.
A quarter of those households paid less than $614, and a quarter paid more than $1,125. That spread matters more than the midpoint, because since Risk Rating 2.0 every property is priced on its own characteristics rather than on a zone average.
Official source figures, as of 14 August 2026. Calculated from National Flood Insurance Program policy records published by FEMA. These are premiums other policyholders paid, not a quote or an offer of coverage.
What each flood zone costs in Bay County
The rated flood zone is the strongest single predictor of cost. These are the medians inside Bay County, restricted to zones with at least 30 policies.
The gap is wide: Zone VE runs at $1,379 while Zone A sits at $595. Two homes a few streets apart can fall either side of that line, which is why a county average on its own tells you very little.
How Bay County premiums have moved
| Policy year | Median |
|---|---|
| 2023 | $780 |
| 2024 | $854 |
| 2025 | $923 |
| 2026 (partial year) | $972 |
That is a change of about 25% between 2023 and 2026. The 2026 figure covers policies effective so far this year and is not yet a complete year.
Where this figure comes from
These are premiums that policyholders actually paid, taken from FEMA policy records and filtered to single-family homes on twelve-month terms. They include the federal policy fee and the HFIAA surcharge, because those appear on the bill.
They are not a quote for any address. Read the full method, or compare costs across every flood zone.