Does Baker flood?

Baker, Panama City, FL · ZIP code 32401: the ZIP code on 52 of the 55 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.

Yes. Insured properties in and around Baker have filed flood claims. About 16% of Baker’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 55 claims from the Census block groups that cover Baker, from 1985 through 2020. 40 of them received a payment, totaling $1,005,766 (not adjusted for inflation). The busiest years were 2018 (19 claims), 1995 (7 claims), 1998 (7 claims).

What this page counts as Baker

We could not find an openly licensed official boundary for Baker, so this page uses a census-based area. For this page, Baker means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Baker (feature 278044), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Baker. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.

Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.

Check a specific address in Baker

Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.

Flood zones street by street in Baker

The named streets in Baker, longest first, with how much of each street’s length inside Baker lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Baker; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 20 shorter streets are not listed.

Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.

Flood zones in Baker

Share of Baker’s mapped area (about 4.33 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 7 to 12 feet. Effective date of the FIRM panel(s) covering it (12005C0337J, 12005C0339J, 12005C0341J, 12005C0343J): October 24, 2024.

What the zones mean

Zone AE (and A, AH, AO)

High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.

Zone VE (and V)

High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.

Zone X (shaded)

Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.

Zone X (unshaded)

Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.

Source: FEMA Glossary: Flood Zones.

Flood insurance claims over time

Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Baker. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.

By decade

By year of loss

Named flood events with the most claims

• Hurricane Michael: 19 claims
• Hurricane Opal: 7 claims
• Hurricane Sally: 4 claims
• Hurricane Earl: 3 claims
• Hurricane Dennis: 2 claims

FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:

• X/B/C (moderate or minimal): 34
• A/AE/AH/AO (high risk): 20
• V/VE (coastal high hazard): 1

How much is flood insurance in Baker?

The typical National Flood Insurance Program policy on single-family homes in Baker costs $1,082 a year: the median of 84 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $836 and $1,402. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.

Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.

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Before you rent or buy in Baker

• Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
• Ask the landlord or seller about past flooding and flood insurance claims at the property.
• Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
• Ask which floor the unit is on and where parking, storage and mechanical equipment sit.

Living in Baker

Flood maps are only one part of choosing a neighborhood. To compare Baker with other Panama City neighborhoods on more than flooding, see Panama City on StrollPlace.

Buyer and renter FAQ

FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.

Nearby neighborhoods

• Does Saint Andrew flood?
• Does Cove flood?
• Does Glenwood flood?
• Does Millville flood?

How these numbers were made

Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Bay County (county code 12005), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120050022002, 120050022003. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.

Sources

1. Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
2. FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
3. U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
4. FEMA Glossary: Flood Zones.
5. FloodSmart (NFIP): Buy a Flood Insurance Policy.
6. FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
7. 44 CFR 61.11, Effective date and time of coverage.
8. OpenFEMA Terms and Conditions.
9. FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
10. U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).

Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.