Public Adjuster in Panama City, FL

Bay County Storm and Claim History

• Hurricane Michael made landfall on the Florida Panhandle on October 10, 2018, and the National Hurricane Center's post-storm report raised its landfall intensity to 160 mph, Category 5. The highest gust recorded was 139 mph at Tyndall Air Force Base, near Panama City, before the anemometer failed, and homes and businesses were torn apart in Callaway and on the east side of Panama City.
• In Bay County, about 45,000 structures were damaged and more than 1,500 were destroyed, according to the National Centers for Environmental Information, and FEMA reported about 20,000 people displaced. Florida Office of Insurance Regulation data show Bay County received about 95,000 claims from the storm, and the agency found 98% of structures in Callaway and 85% of homes in Lynn Haven were damaged.
• More than a year after the storm, about 17,000 Hurricane Michael claims were still unsettled statewide, according to testimony reported by the News Service of Florida in October 2019, out of 149,448 claims reported to the Office of Insurance Regulation as of September 27, 2019.
• Bay County was among the first five Florida counties designated for FEMA Individual Assistance when the federal major disaster for Hurricane Michael was declared on October 11, 2018.
• USGS sensors along the Northwest Florida coast recorded a maximum storm tide of 15.55 feet above NAVD 88 during Hurricane Michael, and the highest high-water mark, in nearby Port St. Joe, exceeded 20 feet.
• Average homeowners insurance premium in Bay County: $3,465 a year with wind coverage, $1,577 without; condominium unit owners $1,393 with wind, averaged across all insurers, insured values and deductibles (Florida OIR, Property Insurance Stability Report, July 1, 2026; data as of March 31, 2026). See every county's average.

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