Panama City, Florida Flood Zones
Panama City was hit by Category 5 Hurricane Michael in 2018, which drove 14 feet of storm surge into coastal neighborhoods. Rebuilding continues in VE zones despite the known risk from Gulf of Mexico hurricanes.
FEMA Flood Risk Profile: Bay County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $16.8M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $1.9M
Hurricane Risk
Very HighEst. annual loss: $117.8M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Bay County
Bay County has been included in 30 federal flood-related disaster declarations.
...and 22 earlier declarations since 2004.
These declarations affected communities across Bay County, including Panama City.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Bay County
Properties in Bay County have filed 9,000 NFIP flood insurance claims totaling $336.6M in payouts since 1978. The average claim payout is $37K.
Highest-Claim Years
1995
3,026 claims - $139.6M
2018
2,185 claims - $125.4M
1998
698 claims - $9.7M
Claims by Flood Zone
Zone X
4,813
Zone AE
2,067
Zone A
1,787
Zone VE
202
Zone V
103
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Panama City
Properties in Panama City, FL are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Panama City
Panama City is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Panama City are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $16.8M. Properties in Panama City's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Panama City are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Panama City address.
Flood Insurance Discount: Panama City
Panama City participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Panama City's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Panama City Address
Enter any Panama City, FL address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupPanama City, FL Flood Zone FAQ
What flood zones are in Panama City, FL?
The most common FEMA flood zones in Panama City are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Panama City?
If your Panama City property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Panama City?
Enter your Panama City address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Panama City offer flood insurance discounts?
Yes. Panama City participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Panama City experienced major flooding events?
Bay County, where Panama City is located, has been part of 30 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Helene in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Panama City?
Bay County has recorded 9,000 NFIP flood insurance claims totaling $336.6M in payouts since 1978. The year with the most claims was 1995, with 3,026 claims and $139.6M in payouts. These figures cover all NFIP claims in the county, including Panama City.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026