ZIP 32438 recorded 20 fire and hazmat incidents in 2025, 275 across 2021–2025. Primary county: Bay County, FL. FEMA NRI rates wildfire risk here as High.
275 incidents from 2021 through 2025 inside this ZIP.
| Year | Incidents | |
|---|---|---|
| 2021 | 41 | |
| 2022 | 69 | |
| 2023 | 79 | |
| 2024 | 66 | |
| 2025 | 20 |
Mar peaks. Jun dips. Aggregated across all 5 years inside this ZIP.
Top 5 NFIRS incident types for ZIP 32438 across 2021–2025.
| # | Incident type | Count | Share | |
|---|---|---|---|---|
| 1 | Unauthorized burning | 68 | 24.7% | |
| 2 | Building fires | 35 | 12.7% | |
| 3 | Brush, or brush and grass mixture fire | 27 | 9.8% | |
| 4 | Forest, woods or wildland fire | 25 | 9.1% | |
| 5 | Passenger vehicle fire | 24 | 8.7% |
For the 1 building fires reported here in 2025, here's how investigators classified ignition cause.
NFIRS Area of Origin for ZIP 32438 fires across 2021–2025.
| # | Area of origin | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 32 | 22.5% | |
| 2 | Outside area, other | 19 | 13.4% | |
| 3 | Engine area, running gear, wheel area | 17 | 12.0% | |
| 4 | Wildland, woods | 11 | 7.7% | |
| 5 | Cooking area, kitchen | 9 | 6.3% | |
| 6 | Open area - outside; included are farmland, field | 8 | 5.6% | |
| 7 | Vehicle area, other | 6 | 4.2% | |
| 8 | Storage area, other | 4 | 2.8% | |
| 9 | All other areas | 36 | 25.4% |
NFIRS HEAT_SOURC code — the physical thing that started the fire.
| # | Heat source | Count | Share | |
|---|---|---|---|---|
| 1 | Undetermined | 77 | 54.2% | |
| 2 | Arcing | 8 | 5.6% | |
| 3 | Radiated, conducted heat from operating equipment | 7 | 4.9% | |
| 4 | Heat, spark from friction | 6 | 4.2% | |
| 5 | Hot ember or ash | 6 | 4.2% | |
| 6 | Heat from powered equipment, other | 5 | 3.5% | |
| 7 | Heat source: other | 4 | 2.8% | |
| 8 | Hot or smoldering object, other | 4 | 2.8% | |
| 9 | All other sources | 25 | 17.6% |
Largest single-incident losses in ZIP 32438 across 2021–2025. These 8 fires alone account for 252% of the ZIP's 2025 reported total.
| # | Property loss | Type | Year | Severity |
|---|---|---|---|---|
| 1 | $150,000 | Building fires | 2023 | Significant |
| 2 | $100,000 | Off-road vehicle or heavy equipment fire | 2025 | Significant |
| 3 | $30,000 | Building fires | 2025 | Significant |
| 4 | $25,000 | Building fires | 2021 | Significant |
| 5 | $10,000 | Building fires | 2021 | Significant |
| 6 | $5,000 | Building fires | 2021 | Significant |
| 7 | $5,000 | Fires in structures other than in a building | 2024 | Significant |
| 8 | $2,000 | Building fires | 2024 | Significant |
Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 32438.
| # | City | 5-yr incidents | |
|---|---|---|---|
| 1 | Panama City | 3 | |
| 2 | 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 — 275 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.