ZIP 32405 recorded 28 fire and hazmat incidents in 2025, 434 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
434 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 115 | |
| 2022 | 98 | |
| 2023 | 106 | |
| 2024 | 87 | |
| 2025 | 28 |
Jan peaks. Jul dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32405 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Unauthorized burning | 93 | 21.4% | |
| 2 | Building fires | 67 | 15.4% | |
| 3 | Passenger vehicle fire | 38 | 8.8% | |
| 4 | Gas leak (natural gas or LPG) | 31 | 7.1% | |
| 5 | Power line down | 28 | 6.5% |
For the 3 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32405 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Engine area, running gear, wheel area | 21 | 13.1% | |
| 2 | Undetermined | 21 | 13.1% | |
| 3 | Cooking area, kitchen | 18 | 11.2% | |
| 4 | Outside area, other | 18 | 11.2% | |
| 5 | Wildland, woods | 12 | 7.5% | |
| 6 | Vehicle area, other | 11 | 6.9% | |
| 7 | Attic: vacant, crawl space above top story, cupola | 9 | 5.6% | |
| 8 | Bedroom - < 5 persons; included are jail or prison | 7 | 4.4% | |
| 9 | All other areas | 43 | 26.9% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 76 | 47.5% | |
| 2 | Heat from powered equipment, other | 14 | 8.8% | |
| 3 | Arcing | 14 | 8.8% | |
| 4 | Hot ember or ash | 10 | 6.2% | |
| 5 | Lightning | 8 | 5.0% | |
| 6 | Heat source: other | 5 | 3.1% | |
| 7 | Hot or smoldering object, other | 4 | 2.5% | |
| 8 | Cigarette | 4 | 2.5% | |
| 9 | All other sources | 25 | 15.6% |
Largest single-incident losses in ZIP 32405 across 2021–2025. These 8 fires alone account for 1076% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $850,000 | Building fires | 2023 | Major |
| 2 | $300,000 | Building fires | 2021 | Major |
| 3 | $150,000 | Road freight or transport vehicle fire | 2025 | Significant |
| 4 | $120,000 | Building fires | 2023 | Significant |
| 5 | $100,000 | Building fires | 2022 | Significant |
| 6 | $100,000 | Building fires | 2024 | Significant |
| 7 | $60,000 | Passenger vehicle fire | 2022 | Significant |
| 8 | $10,000 | Passenger vehicle fire | 2021 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32405.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Panama City | 230 | |
| 2 | Springfield | 6 | |
| 3 | Panama City Beach | 3 | |
| 4 | Bradenton | 1 | |
| 5 | Callaway | 1 |
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 — 434 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.