Natural hazards · Pretty Bayou

Pretty Bayou, FL natural hazards

Most of the natural-hazard damage FEMA expects in Pretty Bayou comes from hurricanes, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Pretty Bayou?

Very high

vs. U.S. communities

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

Hurricanes70%Inland flooding13%Tornadoes7%Everything else11%

By hazard

What Pretty Bayou faces

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

Hurricanes

70% 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

13% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% 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 Pretty Bayou flood?

FEMA's records show no paid flood insurance claims in Pretty Bayou.

of homes in flood zones
are insured

of all homes
are insured

No community discount. 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.

Disasters that hit Pretty Bayou

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Pretty Bayou itself: aid to households, or repair grants to Pretty Bayou.

Brought FEMA money into Pretty BayouDeclared for Bay County only

2018

Hurricane Michael

1 household applied for aid

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

Around Pretty Bayou

Pretty Bayou and the towns around it

Very lowLowModerateHighVery high

Pretty Bayoumostly 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. Pretty Bayou is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.