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Flood Figures

ZIP 32408 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, 8,126 NFIP flood insurance policies are in force in ZIP 32408 (Panama City, FL), with 1,396 flood claims recorded since 1978.

Policies & premiums

Policies in force
8,126
Median annual premium
$858
premium only
Median annual cost
$1,178
premium + fees & surcharges
Mean annual premium
$1,403
premium only
Policies in SFHA zones
56.6%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,814,958,000
Contents coverage in force
$186,288,000

"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 32408 by rated flood zone
Policies Share Share bar
X 3,516 43.3%
VE 3,035 37.3%
AE 1,553 19.1%
A 22 0.3%

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 32408 by occupancy type
Policies Share Share bar
Multi-unit buildings 5,820 71.6%
Single-family homes 1,692 20.8%
Units in multi-unit buildings 378 4.7%
Non-residential buildings 186 2.3%
Mobile homes 50 0.6%

Claims history since 1978

Claims since 1978
1,396
Total paid
$41,738,845
Paid on buildings
$34,381,162
Paid on contents
$7,347,778
NFIP claims filed per year in ZIP 32408, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $0
1979 3 $2,689
1982 1 $0
1983 4 $0
1984 9 $61,001
1985 32 $135,223
1986 2 $1,920
1987 1 $0
1988 1 $514
1991 7 $10,146
1992 3 $3,968
1993 2 $0
1994 7 $12,253
1995 723 $34,315,803
1996 8 $66,939
1997 5 $9,600
1998 71 $533,897
1999 12 $127,200
2000 1 $3,305
2001 2 $1,696
2002 2 $0
2003 1 $0
2004 44 $297,760
2005 43 $558,847
2006 2 $5,991
2007 1 $0
2008 31 $648,040
2009 3 $4,046
2010 2 $0
2011 4 $0
2012 13 $125,930
2013 51 $1,243,667
2014 4 $7,118
2016 8 $160,893
2017 1 $589
2018 202 $1,054,295
2019 2 $2,166
2020 71 $2,039,114
2021 10 $223,693
2022 2 $0
2023 2 $1,240
2024 1 $79,301

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 723 $34,315,803
2020 71 $2,039,114
2013 51 $1,243,667

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