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Flood Figures

ZIP 32401 flood insurance data

Computed from OpenFEMA FIMA NFIP Redacted Policies (v2) and OpenFEMA FIMA NFIP Redacted Claims (v2). Policy data as of June 1, 2026; claims recorded through June 1, 2026.

As of June 1, 2026, 1,002 NFIP flood insurance policies are in force in ZIP 32401 (Panama City, FL), with 555 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,002
Median annual premium
$839
premium only
Median annual cost
$1,083
premium + fees & surcharges
Mean annual premium
$1,585
premium only
Policies in SFHA zones
46.2%
zones A, AE, AH, AO, V, VE
Building coverage in force
$224,385,000
Contents coverage in force
$48,089,000

"Premium" is the policy premium alone; "cost" adds federal fees and surcharges. In-force counts are an approximation derived from policy effective, termination, and cancellation dates — see methodology.

Flood zones of insured properties

NFIP policies in ZIP 32401 by rated flood zone
Policies Share Share bar
AE 549 54.8%
X 408 40.7%
A 35 3.5%
VE 10 1.0%

Distribution of insured properties by the flood zone used in their policy rating — not a map of land area. Numbered zones (A1–A30, V1–V30) and Zones B and C appear on older FEMA map panels; B and C correspond to today's shaded and unshaded Zone X.

What the policies cover

NFIP policies in ZIP 32401 by occupancy type
Policies Share Share bar
Multi-unit buildings 479 47.8%
Single-family homes 368 36.7%
Non-residential buildings 110 11.0%
Units in multi-unit buildings 39 3.9%
Mobile homes 6 0.6%

Claims history since 1978

Claims since 1978
555
Total paid
$12,450,585
Paid on buildings
$10,206,223
Paid on contents
$2,214,362
NFIP claims filed per year in ZIP 32401, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $80
1979 7 $11,398
1980 2 $1,228
1982 6 $2,743
1984 4 $3,030
1985 8 $24,251
1987 1 $1,435
1988 4 $0
1990 1 $0
1994 1 $0
1995 154 $6,159,587
1996 1 $0
1998 18 $173,506
1999 23 $190,465
2000 2 $5,545
2001 1 $6,242
2003 7 $39,776
2004 19 $318,331
2005 23 $735,175
2008 26 $566,737
2009 3 $45,809
2012 3 $8,091
2013 20 $200,493
2014 3 $7,666
2016 3 $6,822
2018 172 $3,047,053
2019 4 $55,502
2020 23 $548,922
2021 9 $267,351
2022 2 $13,492
2023 2 $9,855
2024 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 154 $6,159,587
2018 172 $3,047,053
2005 23 $735,175

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