ZIP 32404 recorded 107 fire and hazmat incidents in 2025, 817 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
817 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 216 | |
| 2022 | 200 | |
| 2023 | 137 | |
| 2024 | 157 | |
| 2025 | 107 |
Mar peaks. Sep dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32404 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Unauthorized burning | 207 | 25.3% | |
| 2 | Building fires | 125 | 15.3% | |
| 3 | Power line down | 58 | 7.1% | |
| 4 | Gas leak (natural gas or LPG) | 52 | 6.4% | |
| 5 | Brush, or brush and grass mixture fire | 48 | 5.9% |
For the 17 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32404 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Engine area, running gear, wheel area | 26 | 12.1% | |
| 2 | Open area - outside; included are farmland, field | 25 | 11.6% | |
| 3 | Undetermined | 24 | 11.2% | |
| 4 | Cooking area, kitchen | 20 | 9.3% | |
| 5 | Wildland, woods | 18 | 8.4% | |
| 6 | Outside area, other | 16 | 7.4% | |
| 7 | Bedroom - < 5 persons; included are jail or prison | 10 | 4.7% | |
| 8 | Wall surface: exterior | 8 | 3.7% | |
| 9 | All other areas | 68 | 31.6% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 70 | 32.6% | |
| 2 | Hot ember or ash | 27 | 12.6% | |
| 3 | Arcing | 26 | 12.1% | |
| 4 | Radiated, conducted heat from operating equipment | 23 | 10.7% | |
| 5 | Spark, ember or flame from operating equipment | 11 | 5.1% | |
| 6 | Heat from powered equipment, other | 10 | 4.7% | |
| 7 | Heat from other open flame or smoking materials | 6 | 2.8% | |
| 8 | Heat from direct flame, convection currents | 6 | 2.8% | |
| 9 | All other sources | 36 | 16.7% |
Largest single-incident losses in ZIP 32404 across 2021–2025. These 8 fires alone account for 467% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $750,000 | Forest, woods or wildland fire | 2022 | Major |
| 2 | $275,000 | Building fires | 2021 | Major |
| 3 | $198,000 | Building fires | 2025 | Significant |
| 4 | $150,000 | Building fires | 2025 | Significant |
| 5 | $125,000 | Building fires | 2021 | Significant |
| 6 | $100,000 | Building fires | 2021 | Significant |
| 7 | $100,000 | Building fires | 2022 | Significant |
| 8 | $100,000 | Building fires | 2023 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32404.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Callaway | 484 | |
| 2 | Panama City | 206 | |
| 3 | Parker | 69 | |
| 4 | Springfield | 37 | |
| 5 | Panama City Beach | 2 |
The figures above are historical. For today's air quality, fire-weather warnings, and active fires, go to the official sources.
NFIRS reports each fire incident with a 5-digit address ZIP. We aggregate those rows directly to produce ZIP-level totals — 817 incidents in this ZIP across 2021–2025. Building-fire breakdowns (Area of Origin, Heat Source, ignition cause) only count fires investigators classified beyond the basic incident report. Because NFIRS reporting is voluntary, totals are a strong indicator rather than a complete census.