On FEMA’s figures, Pretty Bayou faces more hazard damage per building than 96% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Pretty Bayou gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #596 of 638 in Florida. Most of that expected damage is hurricanes (81%), then river and rain flooding (13%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Pretty Bayou faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Pretty Bayou’s grade
Hurricanes are 81% of the building damage FEMA expects in Pretty Bayou, and Pretty Bayou’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 2% of U.S. census tracts.
D− #596 of 638 in Florida; higher expected damage per building than 96% of U.S. towns (21,298).
Pretty Bayou’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Pretty Bayou has more expected damage per building than 93% of Florida towns.
In dollars, FEMA expects about $3.0M a year in losses across Pretty Bayou: $2.6M to buildings, the rest to people and crops.
Does Pretty Bayou flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pretty Bayou. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pretty Bayou isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bay County.The storms Pretty Bayou remembers
None of the 36 disasters declared for Bay County shows FEMA aid or repair money reaching Pretty Bayou itself in FEMA’s records, so these are its biggest flood-claim years.
Bay County has had 36 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Bay County, 1999–2022.
Pretty Bayou and its neighbors
Pretty Bayou is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Panama City | D−more damage than 95% | hurricanes | 846 |
| Pretty Bayou | D−more damage than 96% | hurricanes | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Pretty Bayou faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Pretty Bayou
Is Pretty Bayou at risk for natural disasters?
On FEMA’s National Risk Index, Pretty Bayou has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #596 of 638 in Florida. Most of the expected damage is hurricanes (81%) and river and rain flooding (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Pretty Bayou in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Bay County, 67% of homes in mapped flood zones carry federal flood insurance, and 17.9% of all homes do.
How much is flood insurance in Pretty Bayou?
FEMA’s Community Rating System list shows no discount for Pretty Bayou’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Pretty Bayou at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (81%), and Pretty Bayou’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pretty Bayou.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pretty Bayou’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.