Electric companies in Bay County, Florida
Bay County, FL ranks 15 of 67 Florida counties for tornado risk, FEMA score 94.1. Bay County in Florida has 181,368 residents and 3 utilities listed by EIA, with home prices of 13.71 to 16.63 cents per kWh.
Bay County on the map
Bay County darker: more storm events
Electric utilities in Bay County
| Utility listed for Bay County, FL | Type | Home price ¢/kWh | Yearly bill at 1,104 kWh | Share of Bay County, FL median income of $70,188 |
|---|---|---|---|---|
| Florida Power & Light Co in Bay County, FL | Investor Owned | 13.71 | $1,816 | 2.59% |
| Gulf Coast Electric Coop, Inc in Bay County, FL | Cooperative | 14.67 | $1,944 | 2.77% |
| Duke Energy Florida, LLC in Bay County, FL | Investor Owned | 16.63 | $2,203 | 3.14% |
Prices are statewide utility averages, not a county price.
Facts about Bay County
- Residents of Bay County, FL, ACS 2023
- 181,36830 of 67 Florida counties
- Households in Bay County, FL
- 76,1182.38 people each
- Owner-occupied homes in Bay County, FL
- 68.3%51,976 owner and 24,142 renter households
- Median household income in Bay County, FL
- $70,18825 of 67 Florida counties
- Housing units in Bay County, FL
- 106,20930,091 vacant or seasonal, 28.3% of the units
- Homes heated by electricity in Bay County, FL
- 87.8%66,827 homes, 50 of 67 Florida counties
- Utilities listed for Bay County, FL
- 33 with a home price: Florida Power & Light Co, Gulf Coast Electric Coop, Inc, Duke Energy Florida, LLC
- Lowest home price in Bay County, FL
- 13.71 ¢/kWhFlorida Power & Light Co, 17.6% below the highest
- Highest home price in Bay County, FL
- 16.63 ¢/kWhDuke Energy Florida, LLC
- Monthly bill gap in Bay County, FL
- $32between the two at 1,104 kWh, $387 a year, 0.55% of the Bay County, FL median income
- ZIP areas touching Bay County, FL
- 1332401 to 32466
- Outage-linked storm events in Bay County, FL
- 231NWS storm events, 2015 to 2025
- Homes built before 1980 in Bay County, FL
- 24.8%median year built 1992
- Flood claims in Bay County, FL
- 2,841NFIP 2015 to 2025, $144.5M paid
- Home energy burden in Bay County, FL
- 2.4%$1,926 a year on electricity (DOE LEAD)
Outage risk in Bay County
Bay County, FL, NWS storm events 2015 to 2025: 231 in all, 127.4 per 100,000 residents of 181,368, rank 6 of 67 Florida counties. Property damage in Bay County, FL: $6.9B, with 16 direct injuries or deaths.
Events by year in Bay County, FL
events a year, Bay County, FL
- 6'15
- 17'16
- 13'17
- 22'18
- 12'19
- 24'20
- 34'21
- 12'22
- 51'23
- 30'24
- 10'25
Events by type
| Bay County, FL | FEMA | Score | Rank | Events | Peak | Damage |
|---|---|---|---|---|---|---|
| Bay County, FL, thunderstorm and high wind | Relatively Moderate | 67.1 | 33 of 67 | 167 | 2023 (27) | $455K |
| Bay County, FL, tornado | Relatively High | 94.1 | 15 of 67 | 22 | 2021 (6) | $22.6M |
| Bay County, FL, hurricane and tropical storm | Very High | 98.7 | 17 of 67 | 18 | 2017 (5) | $6.9B |
| Bay County, FL, winter storm and heavy snow | Relatively Low | 32.6 | 5 of 67 | 2 | 2025 (2) | $0 |
| Bay County, FL, heat wave | Relatively Moderate | 84.3 | 22 of 67 | 22 | 2023 (22) | $0 |
Bay County, FL, no score or events: ice storm.
Housing and heating in Bay County
Bay County, FL: 26,358 of 106,209 homes were built before 1980 and 39,243 in 2000 or later. Bay County, FL has 53,986 detached houses, 27,853 homes in 5+ unit buildings, 12,440 mobile homes, and 24,142 of 76,118 households rent.
Age of homes in Bay County, FL
% of homes by decade built, Bay County, FL
- 2pre-40
- 340s
- 450s
- 560s
- 1270s
- 2280s
- 1690s
- 2300s
- 1110s
- 320+
Heating fuel in Bay County, FL
| Bay County, FL | Value | State median | Gap | Rank |
|---|---|---|---|---|
| Bay County, FL, median year built | 1992 | 1989 | +3 years | 18 of 67 |
| Bay County, FL, built before 1980 | 24.8% | 30.9% | -6.1 points | 50 of 67 |
| Bay County, FL, built 2000 or later | 36.9% | 30.0% | +7.0 points | 19 of 67 |
| Bay County, FL, detached houses | 50.8% | 59.7% | -8.9 points | 52 of 67 |
| Bay County, FL, apartments in 5+ unit buildings | 26.2% | 7.6% | +18.7 points | 8 of 67 |
| Bay County, FL, mobile homes | 11.7% | 17.3% | -5.6 points | 41 of 67 |
| Bay County, FL, renter households | 31.7% | 24.9% | +6.8 points | 13 of 67 |
| Bay County, FL, median home value | $276,900 | $254,300 | +$22,600 | 30 of 67 |
| Bay County, FL, median gross rent a month | $1,424 | $1,230 | +$194 | 24 of 67 |
| Bay County, FL, people per household | 2.35 | 2.46 | -0.11 | 53 of 67 |
Cost of living with electricity in Bay County
Bay County, FL: electricity $1,926 a year per home (DOE LEAD), all home energy $2,081, 2.4% of $86,900 income. 74,678 households in Bay County, FL spend about $143.8 million a year on electricity and $155.4 million on all home energy. Lower-income homes in Bay County, FL ($20,487 a year) spend 9.2% of income, 3.8 times the all-home figure.
Energy burden in Bay County, FL
| Bay County, FL | Homes | Income | Power | Gas | Other | Burden |
|---|---|---|---|---|---|---|
| Bay County, FL, all households | 74,678 | $86,900 | $1,926 | $149 | $6 | 2.4% |
| Bay County, FL, lower income | 16,590 | $20,487 | $1,747 | $123 | $5 | 9.2% |
| Bay County, FL, owners | 51,208 | $101,697 | $2,070 | $194 | $7 | 2.2% |
| Bay County, FL, renters | 23,470 | $54,616 | $1,612 | $52 | $3 | 3.0% |
Flood claims and flood insurance in Bay County
Bay County, FL: 2,841 NFIP flood claims in 2015 to 2025, $144.5M paid, median paid claim $41,584.
13,382 of 74,934 residential structures in Bay County, FL carry an NFIP contract. 31,567 NFIP policies of any type were in force in Bay County, FL on 8 Sep 2026. Bay County, FL lists 639 repetitive-loss properties, 86 of them severe repetitive loss.
Bay County, FL: claims history, not an outage count.
Flood claims by year in Bay County, FL
flood claims a year, Bay County, FL
- 12'15
- 33'16
- 12'17
- 2,185'18
- 23'19
- 347'20
- 178'21
- 15'22
- 13'23
- 19'24
- <5'25
| Bay County, FL | Value | Median county | Rank |
|---|---|---|---|
| Bay County, FL, claims 2015-2025 | 2,841 | — | 16 of 62 |
| Bay County, FL, paid 2015-2025 | $144.5M | — | 16 of 62 |
| Bay County, FL, median paid claim | $41,584 | — | — |
| Bay County, FL, claims per 1,000 homes | 37.9 | 8.9 | 13 of 62 |
| Bay County, FL, homes with flood insurance | 17.9% | 5.8% | 13 of 67 |
| Bay County, FL, policies in force | 31,567 | — | — |
| Bay County, FL, repetitive-loss properties | 639 | — | — |
Bay County, FL: OpenFEMA NFIP, claims as of 8 Sep 2026, insured share as of 3 Aug 2026; counts under 5 are hidden.
Bay County: flood claims by state, flood hub.
Analyst note on Bay County
Bay County, FL touches 13 ZIP areas, 32401 to 32466, about 13,951 residents each. Bay County, FL counts 181,368 residents in 76,118 households. Household income in Bay County, FL is $70,188; 51,976 of its 76,118 households own.
66,827 of the 76,118 homes in Bay County, FL heat with electricity. Bay County, FL has 106,209 housing units, 30,091 (28.3%) vacant or seasonal, and 24,142 rented homes. Bay County, FL logged 231 storm events for its 181,368 residents.
The median home in Bay County, FL dates from 1992. Homes in Bay County, FL pay $1,926 a year for electricity. Bay County, FL home prices run Florida Power & Light Co to Duke Energy Florida, LLC, $32 a month apart at 1,104 kWh.
Bill and heat pump calculator, Bay County
Compare Bay County with its neighbours
- Washington County sits 26 miles north of Bay County, FL with 25,259 residents, 138 storm events, median home built 1987, energy burden 3.2%, income $52,723.
- Gulf County sits 35 miles southeast of Bay County, FL with 14,772 residents, 83 storm events, median home built 1996, energy burden 3.1%, income $67,361.
- Walton County sits 38 miles northwest of Bay County, FL with 79,846 residents, 243 storm events, median home built 2000, energy burden 1.9%, income $79,281.
- Calhoun County sits 37 miles east of Bay County, FL with 13,593 residents, 96 storm events, median home built 1987, energy burden 3.7%, income $46,901.
- Holmes County sits 45 miles north of Bay County, FL with 19,626 residents, 158 storm events, median home built 1983, energy burden 3.4%, income $48,236.
Cities in Bay County
- Panama City electricity rates34,211 residents
ZIP codes in Bay County
- 32401
- 32403
- 32404
- 32405
- 32407
- 32408
- 32409
- 32410
- 32413
- 32437
- 32438
- 32444
- 32466
Florida: home prices since 2001, planned plants.
Questions on Bay County
Bay County, FL: what do homes pay for electricity?
Bay County, FL homes paid 13.71 to 16.63 cents per kWh in 2024 across 3 listed utilities: $151 to $184 a month at 1,104 kWh, 2.59% to 3.14% of Bay County, FL income.
Bay County, FL: how many homes heat with electricity?
Bay County, FL: 66,827 of 76,118 occupied homes, 87.8%, rank 50 of 67.
Bay County, FL: median household income?
$70,188 in Bay County, FL, rank 25 of 67; 181,368 residents, 76,118 households.
Bay County, FL: outage-linked storms since 2015?
Bay County, FL: 231 NWS events, peak year 2023.
Bay County, FL: flood insurance claims since 2015?
Bay County, FL: 2,841 NFIP flood claims, $144.5M paid, 37.9 per 1,000 homes, 17.9% of homes insured.
How old are the homes in Bay County, FL?
Bay County, FL: median home built 1992; 24.8% predate 1980, 50.8% detached, 26.2% in 5+ unit buildings.
Bay County, FL: share of income for energy?
Bay County, FL homes spend $1,926 a year on electricity, $2,081 on all energy: 2.4% of $86,900; 9.2% for lower incomes.