Callaway, Florida Flood Zones
Last updated: March 2026
Callaway faces flooding from Callaway Bayou and North Bay in Bay County. Hurricane Michael in 2018 drove catastrophic storm surge through the bayou system, and low-lying residential areas remain highly vulnerable to Gulf hurricane events.
Bay County has recorded 9,000 NFIP flood insurance claims since 1978, totaling $336.6M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
37,759
Bay County
Avg. Premium
$462/yr
Bay County
FEMA Flood Risk Profile: Bay County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $16.8M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $1.9M
Hurricane Risk
Very HighEst. annual loss: $117.8M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Bay County
Bay County has been included in 30 federal flood-related disaster declarations.
...and 22 earlier declarations since 2004.
These declarations affected communities across Bay County, including Callaway.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Bay County
Properties in Bay County have filed 9,000 NFIP flood insurance claims totaling $336.6M in payouts since 1978. The average claim payout is $37K.
Highest-Claim Years
1995
3,026 claims - $139.6M
2018
2,185 claims - $125.4M
1998
698 claims - $9.7M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Bay County
An estimated 55% of households in Bay County carry NFIP flood insurance.
Penetration Rate
55%
Claims Ratio
1 in 4
policies have filed a claim
Avg. Claim Payout
$37,395
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Bay County
Bay County has 685 properties with multiple flood losses, including 86 severe repetitive loss properties. 8 properties have been mitigated.
Multiple Loss
685
Severe Rep. Loss
86
Mitigated
8
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: BAY County
NOAA has recorded 177 flood events in BAY County since 1996, causing $18.7M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Bay County
FEMA has funded mitigation for 204 properties in Bay County, investing $7.0M in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Callaway
Callaway faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Callaway are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $16.8M. Properties in Callaway's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in Callaway means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Callaway address.
Flood Insurance Discount: Callaway
Callaway participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Callaway's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Callaway, FL Flood Zone FAQ
What flood zones are in Callaway, FL?
The most common FEMA flood zones in Callaway are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Callaway?
If your Callaway property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Callaway?
Enter your Callaway address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Callaway offer flood insurance discounts?
Yes. Callaway participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Callaway experienced major flooding events?
Bay County, where Callaway is located, has been part of 30 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Helene in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Callaway?
Bay County has recorded 9,000 NFIP flood insurance claims totaling $336.6M in payouts since 1978. The year with the most claims was 1995, with 3,026 claims and $139.6M in payouts. These figures cover all NFIP claims in the county, including Callaway.
How many flood insurance policies are active in Callaway?
Bay County currently has 37,759 active NFIP flood insurance policies with an average annual premium of $462. The most policies are in Zone X (15,668 policies). These figures cover all active NFIP policies in the county.
How many Callaway properties have flooded repeatedly?
Bay County has 685 properties with multiple flood losses on record, including 86 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Callaway property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Callaway?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Callaway's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.