Enter any address in Panama City, Florida to see its FEMA flood zone
Panama City has a population of 32,939 residents. Like many communities in Florida, properties in Panama City may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Panama City. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
FEMA assigns flood zone designations to areas in Panama City, Florida:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Panama City that are in FEMA Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even in low-risk zones, flood insurance is recommended — over 20% of NFIP claims come from outside high-risk areas. Visit FloodSmart.gov for quotes.