OUT OFTHE STORMNEWS

Independent insurance-cost data from public records.

June 2026 NFIP transactions

Flood Insurance Costs in Bay County, Florida

In June 2026, NFIP policies newly written or renewed in Bay County averaged $543 in premium and $725 in total policy cost across 3,029 transactions.

What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.

Average premium
$543

newly written or renewed policies

Average total cost
$725

premium plus included fees

Transactions
3,029

minimum published threshold: 100

State premium rank
40 of 44

eligible counties in Florida

Bay County, state, and national comparison

The county average premium was 46.3% below the state transaction average and 45.8% below the national transaction average. Its total policy cost was 43.6% below the state figure and 43.7% below the national figure.

GeographyAvg premiumAvg total costTransactions
Bay County$543$7253,029
Florida$1,010$1,285174,012
United States$1,001$1,289452,418

Bay County's $543 average premium ranks 40 of 44 within the eligible state set and was 46.3% below the state transaction average. The same 3,029 transactions averaged $725 in total policy cost.

Descriptive rank context

Premium in Florida
40 of 44
Premium nationally
295 of 330
Transaction volume nationally
33 of 330

Method nfip-county-ranks-v1. Premium ranks sort the same 330 eligible county rows by average premium, then transaction count, then FIPS; the state rank uses that state's eligible subset. Volume rank sorts by transaction count, then FIPS. These ranks describe one source month and are not a score or recommendation.

Method and limitations

  • The figures describe policies newly written or renewed in June 2026; they are not FEMA's official average across all in-force policies.
  • Only named counties with matching state and five-digit FIPS codes, finite cost values, and at least 100 transactions enter the comparison population.
  • A monthly county average can change with the mix of properties renewing. It is not a household quote and does not include private flood insurance.
  • State and national values use the same transaction-based source month. A larger sample does not mean a lower or higher household price.

Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3). Snapshot generated 2026-08-30; source event through 2026-06-30. Read the complete methodology.

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