Natural hazards · Lynn Haven

Lynn Haven, FL natural hazards

Most of the natural-hazard damage FEMA expects in Lynn Haven comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 625 claims here since 1985. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lynn Haven?

Very high

vs. U.S. communities

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

Hurricanes68%Inland flooding14%Tornadoes8%Everything else11%

By hazard

What Lynn Haven faces

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

Hurricanes

68% 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 30% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% 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 Lynn Haven flood?

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

625paid claims since 1985

$22.1Mpaid to owners

103homes flooded more than once

19852026

Biggest named events

Hurricane Opal: 206 claims, $7.1M
Hurricane Michael: 167 claims, $6.9M
Hurricane Dennis: 73 claims, $2.6M

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (16) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Lynn Haven 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

12homes raised above flood level

3flood-prone properties bought out and cleared

3buildings retrofitted against wind

2storm safe rooms built

Disasters that hit Lynn Haven

6 federal disasters brought FEMA money here

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

Brought FEMA money into Lynn HavenDeclared for Bay County only

2020

Hurricane Sally

137 households applied for aid $244K aid approved

2018

Hurricane Michael

7,134 households applied for aid $7.5M aid approved $44.6M to the City of Lynn Haven for repairs

2017

Hurricane Irma

1 household applied for aid $16K to the City of Lynn Haven for repairs

2013

Severe Storms and Flooding

$36K to the City of Lynn Haven for repairs

2005

Hurricane Dennis

110 households applied for aid $100K aid approved $52K to the City of Lynn Haven for repairs

2004

Hurricane Ivan

159 households applied for aid $85K aid approved $207K to the City of Lynn Haven for repairs

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

Around Lynn Haven

Lynn Haven and the towns around it

Very lowLowModerateHighVery high

Lynn Havenmostly hurricanesVery high

Cedar Grovemostly hurricanesVery high

Panama Citymostly 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. Lynn Haven covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lynn Haven’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lynn Haven. 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 Lynn Haven total about $7.0M 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.