City vs city
Miami vs Panama City Beach, FL
Miami currently scores 21 points higher overall than Panama City Beach, with the largest gap in hail.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Scores describe each city’s reference grid tile, not every property. A missing model is unavailable, not zero risk. Air quality uses an ingested EPA AirNow snapshot and may not reflect current conditions; other factors describe baseline exposure. The overall score blends different hazards and is not a probability of damage. Read the scoring methodology and sources.
Overall
Miami: 60/100 · Panama City Beach: 39/100
Miami is 21 points higher.
Flood
Miami: 73/100 · Panama City Beach: 58/100
Miami is 15 points higher.
Miami: FEMA NFHL flood zones: 12 features intersect this tile.
Panama City Beach: FEMA NFHL flood zones: 19 features intersect this tile.
Wind
Miami: 73/100 · Panama City Beach: 42/100
Miami is 31 points higher.
Miami: Wind exposure derived from ingested design wind / climatology tiles.
Panama City Beach: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Miami: 65/100 · Panama City Beach: 54/100
Miami is 11 points higher.
Miami: Lightning exposure derived from ingested climatology tiles.
Panama City Beach: Lightning exposure derived from ingested climatology tiles.
Tornado
Miami: 35/100 · Panama City Beach: 19/100
Miami is 16 points higher.
Miami: Tornado risk derived from NOAA SPC historical reports.
Panama City Beach: Tornado risk derived from NOAA SPC historical reports.
Hail
Miami: 85/100 · Panama City Beach: 10/100
Miami is 75 points higher.
Miami: Hail risk derived from NOAA SPC historical reports.
Panama City Beach: Hail risk derived from NOAA SPC historical reports.
Storm surge
Miami: 83/100 · Panama City Beach: 96/100
Panama City Beach is 13 points higher.
Miami: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Panama City Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Miami: 48/100 · Panama City Beach: 9/100
Miami is 39 points higher.
Miami: Wildfire exposure derived from ingested fire potential tiles.
Panama City Beach: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Miami: 16/100 · Panama City Beach: 21/100
Panama City Beach is 5 points higher.
Miami: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Panama City Beach: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.