Bay County, FL
Composite Insurance Risk Score: 11.7 / 100 (National rank: #3130)
Axis Scores
Climate Safety
2.5
Insurance Affordability
3.7
Housing Affordability
15.0
Community Resilience
31.5
Social Resilience
26.8
Housing Stability
19.8
Key Metrics
| Annual Insurance Premium (state avg) | $6,000 |
| Insurance Burden (% of income) | 8.16% |
| Price-to-Income Ratio | 4.22 |
| FEMA Risk Score (0-100) | 97.5 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).