ZIP 32408 recorded 62 fire and hazmat incidents in 2025, 535 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
535 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 119 | |
| 2022 | 106 | |
| 2023 | 128 | |
| 2024 | 120 | |
| 2025 | 62 |
Aug peaks. Nov dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32408 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Unauthorized burning | 87 | 16.3% | |
| 2 | Building fires | 54 | 10.1% | |
| 3 | Power line down | 45 | 8.4% | |
| 4 | Gas leak (natural gas or LPG) | 41 | 7.7% | |
| 5 | Electrical wiring/equipment problem, other | 32 | 6.0% |
For the 6 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32408 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Outside area, other | 50 | 25.3% | |
| 2 | Undetermined | 22 | 11.1% | |
| 3 | Cooking area, kitchen | 17 | 8.6% | |
| 4 | Engine area, running gear, wheel area | 11 | 5.6% | |
| 5 | Wildland, woods | 8 | 4.0% | |
| 6 | Vehicle area, other | 7 | 3.5% | |
| 7 | Open area - outside; included are farmland, field | 7 | 3.5% | |
| 8 | Other | 6 | 3.0% | |
| 9 | All other areas | 70 | 35.4% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 89 | 44.9% | |
| 2 | Arcing | 20 | 10.1% | |
| 3 | Heat from powered equipment, other | 14 | 7.1% | |
| 4 | Hot ember or ash | 12 | 6.1% | |
| 5 | Radiated, conducted heat from operating equipment | 10 | 5.1% | |
| 6 | Hot or smoldering object, other | 10 | 5.1% | |
| 7 | Spark, ember or flame from operating equipment | 6 | 3.0% | |
| 8 | Fireworks | 6 | 3.0% | |
| 9 | All other sources | 31 | 15.7% |
Largest single-incident losses in ZIP 32408 across 2021–2025. These 8 fires alone account for 262% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $350,000 | Building fires | 2021 | Major |
| 2 | $150,000 | Building fires | 2023 | Significant |
| 3 | $150,000 | Building fires | 2025 | Significant |
| 4 | $100,000 | Water vehicle fire | 2021 | Significant |
| 5 | $100,000 | Passenger vehicle fire | 2025 | Significant |
| 6 | $60,000 | Building fires | 2025 | Significant |
| 7 | $57,000 | Building fires | 2021 | Significant |
| 8 | $50,000 | Water vehicle fire | 2025 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32408.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Panama City Beach | 413 | |
| 2 | Panama City | 23 | |
| 3 | Bradenton | 1 | |
| 4 | Callaway | 1 | |
| 5 | Upper Grand Lagoon | 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 — 535 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.