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Flood Figures

Panama City, FL flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Data as of June 1, 2026.

As of June 1, 2026, 13,430 NFIP flood insurance policies are in force across the ZIP codes of Panama City, Florida, with 4,144 flood claims recorded since 1978.

City totals

Policies in force
13,430
Median annual premium
$780
premium only
Median annual cost
$1,049
premium + fees & surcharges
Policies in SFHA zones
56.7%
zones A, AE, AH, AO, V, VE
Claims since 1978
4,144
Total paid
$102,567,081

City totals include all ZIP codes in this city, some of which do not have individual pages. Summing the ZIP pages below therefore gives a smaller number than the city total — see methodology.

ZIP codes in Panama City

5 of the 7 ZIP codes in Panama City meet the data threshold for an individual page. The remaining 2 are included in the city totals above but have no separate page.

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