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Flood Figures

ZIP 32407 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, 4,655 NFIP flood insurance policies are in force in ZIP 32407 (Panama City Beach, FL), with 1,637 flood claims recorded since 1978.

Policies & premiums

Policies in force
4,655
Median annual premium
$637
premium only
Median annual cost
$900
premium + fees & surcharges
Mean annual premium
$927
premium only
Policies in SFHA zones
50.3%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,077,554,000
Contents coverage in force
$136,400,000

"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 32407 by rated flood zone
Policies Share Share bar
X 2,218 47.6%
VE 1,617 34.7%
AE 697 15.0%
A 123 2.6%

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 32407 by occupancy type
Policies Share Share bar
Multi-unit buildings 3,046 65.4%
Single-family homes 1,256 27.0%
Units in multi-unit buildings 161 3.5%
Non-residential buildings 142 3.1%
Mobile homes 50 1.1%

Claims history since 1978

Claims since 1978
1,637
Total paid
$47,620,545
Paid on buildings
$38,467,424
Paid on contents
$9,153,122
NFIP claims filed per year in ZIP 32407, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1979 8 $52,543
1981 1 $551
1982 2 $0
1983 8 $8,121
1984 7 $5,524
1985 144 $143,415
1991 75 $251,143
1992 2 $0
1993 1 $0
1994 4 $3,024
1995 545 $28,923,372
1997 2 $1,891
1998 329 $5,666,433
1999 5 $29,481
2000 3 $78,738
2001 6 $0
2002 4 $45,676
2003 2 $849
2004 48 $1,523,008
2005 61 $903,531
2007 1 $0
2008 8 $129,181
2009 2 $16,821
2010 1 $0
2012 9 $142,904
2013 242 $7,502,748
2014 3 $6,475
2015 7 $75,262
2016 3 $6,383
2017 3 $136,228
2018 48 $277,507
2020 37 $1,666,559
2021 4 $0
2022 2 $3,775
2023 2 $15,662
2024 8 $3,742

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 545 $28,923,372
2013 242 $7,502,748
1998 329 $5,666,433

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