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In Bay County, July highs average about 90°F and January lows about 42°F, with roughly 58 inches of rain a year. That much heat keeps air conditioners running hard for months, so a yearly tune-up pays off.
Over the last 10 years the National Weather Service recorded damaging thunderstorm winds, flash floods and tornadoes in Bay County, with hail up to 2 inches across. After a storm, a quick roof and gutter check catches damage before it turns into a leak.
The typical home in Bay County was built around 1996, about 30 years ago, and 23% were built before 1980.
Florida Building Code, 8th Edition (2023). Florida writes its own statewide building code, updated every three years, with strong wind-load rules for roofs, windows and doors.
Bay County has had 34 federal disaster declarations in the last 25 years, most often for hurricanes; the latest was Hurricane Isaias (2026).
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These are Bay County figures — more about homes in Panama City.
Panama City · Ebro · Lynn Haven · Springfield · Parker · Callaway · Freeport · Vernon