ZIP 32409 recorded 106 fire and hazmat incidents in 2025, 557 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
557 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 107 | |
| 2022 | 120 | |
| 2023 | 114 | |
| 2024 | 110 | |
| 2025 | 106 |
Mar peaks. Jun dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32409 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Aircraft standby | 123 | 22.1% | |
| 2 | Unauthorized burning | 103 | 18.5% | |
| 3 | Building fires | 37 | 6.6% | |
| 4 | Passenger vehicle fire | 26 | 4.7% | |
| 5 | Forest, woods or wildland fire | 21 | 3.8% |
For the 4 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32409 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Outside area, other | 49 | 25.5% | |
| 2 | Undetermined | 29 | 15.1% | |
| 3 | Engine area, running gear, wheel area | 20 | 10.4% | |
| 4 | Wildland, woods | 20 | 10.4% | |
| 5 | Cooking area, kitchen | 11 | 5.7% | |
| 6 | Vehicle area, other | 9 | 4.7% | |
| 7 | Other | 6 | 3.1% | |
| 8 | Storage area, other | 6 | 3.1% | |
| 9 | All other areas | 42 | 21.9% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 101 | 52.6% | |
| 2 | Heat from powered equipment, other | 12 | 6.2% | |
| 3 | Hot ember or ash | 12 | 6.2% | |
| 4 | Arcing | 10 | 5.2% | |
| 5 | Radiated, conducted heat from operating equipment | 7 | 3.6% | |
| 6 | Spark, ember or flame from operating equipment | 6 | 3.1% | |
| 7 | Cigarette | 6 | 3.1% | |
| 8 | Heat source: other | 5 | 2.6% | |
| 9 | All other sources | 33 | 17.2% |
Largest single-incident losses in ZIP 32409 across 2021–2025. These 8 fires alone account for 190% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $235,000 | Building fires | 2022 | Significant |
| 2 | $100,000 | Building fires | 2025 | Significant |
| 3 | $100,000 | Outside storage fire | 2025 | Significant |
| 4 | $70,000 | Building fires | 2022 | Significant |
| 5 | $60,000 | Building fires | 2022 | Significant |
| 6 | $50,000 | Fires in structures other than in a building | 2025 | Significant |
| 7 | $37,000 | Road freight or transport vehicle fire | 2025 | Significant |
| 8 | $20,000 | Building fires | 2024 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32409.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Panama City | 173 | |
| 2 | Panama City Beach | 27 | |
| 3 | 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 — 557 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.