City vs city
Miramar Beach vs Panama City, FL
Panama City currently scores 8 points higher overall than Miramar Beach, with the largest gap in tornado.
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
Miramar Beach: 47/100 · Panama City: 55/100
Panama City is 8 points higher.
Flood
Miramar Beach: 67/100 · Panama City: 41/100
Miramar Beach is 26 points higher.
Miramar Beach: FEMA NFHL flood zones: 8 features intersect this tile.
Panama City: FEMA NFHL flood zones: 20 features intersect this tile.
Wind
Miramar Beach: 45/100 · Panama City: 40/100
Miramar Beach is 5 points higher.
Miramar Beach: Wind exposure derived from ingested design wind / climatology tiles.
Panama City: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Miramar Beach: 57/100 · Panama City: 53/100
Miramar Beach is 4 points higher.
Miramar Beach: Lightning exposure derived from ingested climatology tiles.
Panama City: Lightning exposure derived from ingested climatology tiles.
Tornado
Miramar Beach: 31/100 · Panama City: 100/100
Panama City is 69 points higher.
Miramar Beach: Tornado risk derived from NOAA SPC historical reports.
Panama City: Tornado risk derived from NOAA SPC historical reports.
Hail
Miramar Beach: 10/100 · Panama City: 31/100
Panama City is 21 points higher.
Miramar Beach: Hail risk derived from NOAA SPC historical reports.
Panama City: Hail risk derived from NOAA SPC historical reports.
Storm surge
Miramar Beach: 95/100 · Panama City: 95/100
No gap.
Miramar Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Panama City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Miramar Beach: 0/100 · Panama City: 55/100
Panama City is 55 points higher.
Miramar Beach: Wildfire exposure derived from ingested fire potential tiles.
Panama City: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Miramar Beach: 26/100 · Panama City: 21/100
Miramar Beach is 5 points higher.
Miramar 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.
Panama City: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.