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Flood Figures

ZIP 32404 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, 1,535 NFIP flood insurance policies are in force in ZIP 32404 (Panama City, FL), with 838 flood claims recorded since 1978.

Policies & premiums

Policies in force
1,535
Median annual premium
$754
premium only
Median annual cost
$1,009
premium + fees & surcharges
Mean annual premium
$926
premium only
Policies in SFHA zones
57.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$363,999,000
Contents coverage in force
$110,769,000

"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 32404 by rated flood zone
Policies Share Share bar
X 657 42.8%
AE 580 37.8%
A 291 19.0%
VE 6 0.4%
A04 1 0.1%

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 32404 by occupancy type
Policies Share Share bar
Single-family homes 1,357 88.4%
Mobile homes 71 4.6%
Non-residential buildings 56 3.6%
Multi-unit buildings 46 3.0%
Units in multi-unit buildings 5 0.3%

Claims history since 1978

Claims since 1978
838
Total paid
$17,936,638
Paid on buildings
$14,585,978
Paid on contents
$3,350,660
NFIP claims filed per year in ZIP 32404, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 1 $1,414
1980 1 $8,765
1982 3 $10,460
1984 4 $10,533
1985 5 $0
1987 2 $161
1988 2 $23,455
1991 4 $54,916
1992 1 $0
1994 1 $26,000
1995 187 $5,848,283
1997 1 $0
1998 28 $292,552
1999 27 $220,264
2001 2 $4,595
2003 8 $75,520
2004 32 $296,677
2005 71 $1,582,312
2008 30 $716,327
2009 4 $89,215
2010 3 $126,906
2012 1 $0
2013 24 $797,549
2014 6 $174,771
2016 5 $95,157
2017 2 $3,918
2018 294 $4,990,602
2019 12 $272,004
2020 27 $566,087
2021 47 $1,646,520
2022 1 $1,674
2023 1 $0
2026 1 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 187 $5,848,283
2018 294 $4,990,602
2021 47 $1,646,520

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