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Flood Figures

ZIP 32405 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, 2,051 NFIP flood insurance policies are in force in ZIP 32405 (Panama City, FL), with 1,137 flood claims recorded since 1978.

Policies & premiums

Policies in force
2,051
Median annual premium
$591
premium only
Median annual cost
$831
premium + fees & surcharges
Mean annual premium
$745
premium only
Policies in SFHA zones
54.1%
zones A, AE, AH, AO, V, VE
Building coverage in force
$535,962,000
Contents coverage in force
$160,859,000

"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 32405 by rated flood zone
Policies Share Share bar
X 948 46.2%
AE 680 33.2%
A 401 19.6%
VE 21 1.0%
AO 1 0.0%

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 32405 by occupancy type
Policies Share Share bar
Single-family homes 1,530 74.6%
Non-residential buildings 237 11.6%
Multi-unit buildings 200 9.8%
Mobile homes 76 3.7%
Units in multi-unit buildings 8 0.4%

Claims history since 1978

Claims since 1978
1,137
Total paid
$26,088,396
Paid on buildings
$21,176,839
Paid on contents
$4,808,027
NFIP claims filed per year in ZIP 32405, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1980 1 $258
1982 3 $4,470
1983 2 $0
1984 12 $41,889
1985 7 $10,882
1987 2 $356
1988 1 $646
1991 4 $15,497
1994 1 $78,200
1995 221 $5,723,928
1996 1 $0
1997 6 $17,653
1998 59 $635,944
1999 7 $99,187
2000 5 $61,093
2001 1 $4,848
2002 3 $9,659
2003 5 $4,362
2004 21 $219,496
2005 63 $1,273,346
2007 2 $1,611
2008 57 $1,230,858
2009 11 $18,106
2010 4 $53,056
2011 2 $12,272
2012 3 $1,856
2013 83 $1,930,879
2014 8 $57,241
2015 4 $8,829
2016 10 $24,144
2018 411 $11,059,488
2020 69 $2,338,705
2021 40 $1,026,115
2022 5 $123,521
2023 1 $0
2025 2 $0

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
2018 411 $11,059,488
1995 221 $5,723,928
2020 69 $2,338,705

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