Natural hazards · Callaway

Callaway, FL natural hazards

Most of the natural-hazard damage FEMA expects in Callaway comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 257 claims here since 1978. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Callaway?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Callaway to be higher than in 94% of U.S. communities, mostly from hurricanes.

Hurricanes64%Inland flooding14%Tornadoes9%Everything else13%

By hazard

What Callaway faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

64% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

14% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Callaway flood?

Every paid claim on a federal flood insurance policy in Callaway, from FEMA’s records.

257paid claims since 1978

$8.5Mpaid to owners

38homes flooded more than once

19782026

Biggest named events

Hurricane Opal: 86 claims, $3.4M
Hurricane Dennis: 43 claims, $1.3M
Hurricane Michael: 37 claims, $1.4M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Callaway is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Bay County.

What’s been done with FEMA grants

2buildings retrofitted against wind

1homes raised above flood level

Disasters that hit Callaway

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Callaway itself: aid to households, or repair grants to the City of Callaway.

Brought FEMA money into CallawayDeclared for Bay County only

2020

Hurricane Sally

4 households applied for aid

2018

Hurricane Michael

431 households applied for aid $802K aid approved $26.1M to the City of Callaway for repairs

2013

Severe Storms and Flooding

$1.6M to the City of Callaway for repairs

2005

Hurricane Dennis

$30K to the City of Callaway for repairs

2004

Hurricane Ivan

$44K to the City of Callaway for repairs

Bay County has had 40 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Callaway

Callaway and the towns around it

Very lowLowModerateHighVery high

Callawaymostly hurricanesVery high

Springfieldmostly hurricanesVery high

Parkermostly hurricanesVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Callaway covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Callaway’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Callaway. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Callaway total about $6.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.