ZIP 32413 recorded 87 fire and hazmat incidents in 2025, 531 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
531 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 126 | |
| 2022 | 102 | |
| 2023 | 150 | |
| 2024 | 66 | |
| 2025 | 87 |
Mar peaks. Nov dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32413 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Gas leak (natural gas or LPG) | 89 | 16.8% | |
| 2 | Unauthorized burning | 61 | 11.5% | |
| 3 | Building fires | 54 | 10.2% | |
| 4 | Power line down | 35 | 6.6% | |
| 5 | Arcing, shorted electrical equipment | 33 | 6.2% |
For the 5 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32413 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 35 | 23.0% | |
| 2 | Outside area, other | 28 | 18.4% | |
| 3 | Wildland, woods | 16 | 10.5% | |
| 4 | Cooking area, kitchen | 15 | 9.9% | |
| 5 | Other | 8 | 5.3% | |
| 6 | Open area - outside; included are farmland, field | 8 | 5.3% | |
| 7 | Engine area, running gear, wheel area | 7 | 4.6% | |
| 8 | Vehicle area, other | 6 | 3.9% | |
| 9 | All other areas | 29 | 19.1% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 83 | 54.6% | |
| 2 | Arcing | 13 | 8.6% | |
| 3 | Hot ember or ash | 10 | 6.6% | |
| 4 | Heat from powered equipment, other | 6 | 3.9% | |
| 5 | Spark, ember or flame from operating equipment | 6 | 3.9% | |
| 6 | Radiated, conducted heat from operating equipment | 6 | 3.9% | |
| 7 | Hot or smoldering object, other | 6 | 3.9% | |
| 8 | Heat source: other | 4 | 2.6% | |
| 9 | All other sources | 18 | 11.8% |
Largest single-incident losses in ZIP 32413 across 2021–2025. These 8 fires alone account for 1410% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $3,000,000 | Building fires | 2022 | Major |
| 2 | $1,000,000 | Building fires | 2024 | Major |
| 3 | $305,803 | Building fires | 2025 | Major |
| 4 | $120,000 | Passenger vehicle fire | 2021 | Significant |
| 5 | $60,000 | Building fires | 2023 | Significant |
| 6 | $50,000 | Building fires | 2021 | Significant |
| 7 | $50,000 | Forest, woods or wildland fire | 2024 | Significant |
| 8 | $40,000 | Building fires | 2021 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32413.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Panama City Beach | 276 | |
| 2 | Panama City | 7 | |
| 3 | Laguna Beach | 3 | |
| 4 | Vernon | 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 — 531 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.