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Flood Figures

ZIP 32413 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, 7,653 NFIP flood insurance policies are in force in ZIP 32413 (Panama City Beach, FL), with 1,056 flood claims recorded since 1978.

Policies & premiums

Policies in force
7,653
Median annual premium
$458
premium only
Median annual cost
$710
premium + fees & surcharges
Mean annual premium
$805
premium only
Policies in SFHA zones
33.8%
zones A, AE, AH, AO, V, VE
Building coverage in force
$1,784,396,000
Contents coverage in force
$276,126,000

"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 32413 by rated flood zone
Policies Share Share bar
X 3,891 50.8%
VE 2,779 36.3%
AE 726 9.5%
A 256 3.3%
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 32413 by occupancy type
Policies Share Share bar
Multi-unit buildings 4,706 61.5%
Single-family homes 2,458 32.1%
Units in multi-unit buildings 269 3.5%
Non-residential buildings 203 2.7%
Mobile homes 17 0.2%

Claims history since 1978

Claims since 1978
1,056
Total paid
$50,300,339
Paid on buildings
$44,682,777
Paid on contents
$5,617,562
NFIP claims filed per year in ZIP 32413, 1978–2026. Rust bars mark the top loss years by dollars paid (also listed below).
Claims by year (data table)
YearClaimsPaid
1978 2 $302
1979 3 $1,410
1981 1 $5,136
1983 11 $0
1984 3 $21,024
1985 8 $56,405
1988 3 $933
1991 4 $7,020
1992 3 $2,319
1994 4 $24,972
1995 508 $35,712,671
1996 2 $740
1998 141 $2,010,238
1999 2 $0
2000 1 $0
2001 4 $54,378
2002 1 $0
2003 2 $25,478
2004 113 $2,807,793
2005 83 $6,686,978
2006 1 $0
2008 3 $3,794
2009 1 $0
2010 2 $2,620
2011 1 $0
2012 1 $0
2013 32 $342,870
2014 4 $54,454
2016 2 $28,931
2017 3 $4,736
2018 29 $203,061
2019 2 $0
2020 59 $1,846,637
2021 9 $271,545
2022 2 $0
2023 3 $107,426
2024 1 $0
2025 2 $16,469

Years with no recorded claims are omitted from the table.

Top loss years by dollars paid

Year Claims Paid
1995 508 $35,712,671
2005 83 $6,686,978
2004 113 $2,807,793

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