City vs city
Monticello vs Panama City, FL
Panama City currently scores 14 points higher overall than Monticello, 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
Monticello: 41/100 · Panama City: 55/100
Panama City is 14 points higher.
Flood
Monticello: 35/100 · Panama City: 41/100
Panama City is 6 points higher.
Monticello: FEMA NFHL flood zones: 6 features intersect this tile.
Panama City: FEMA NFHL flood zones: 20 features intersect this tile.
Wind
Monticello: 21/100 · Panama City: 40/100
Panama City is 19 points higher.
Monticello: Wind exposure derived from ingested design wind / climatology tiles.
Panama City: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Monticello: 85/100 · Panama City: 53/100
Monticello is 32 points higher.
Monticello: Lightning exposure derived from ingested climatology tiles.
Panama City: Lightning exposure derived from ingested climatology tiles.
Tornado
Monticello: 12/100 · Panama City: 100/100
Panama City is 88 points higher.
Monticello: Tornado risk derived from NOAA SPC historical reports.
Panama City: Tornado risk derived from NOAA SPC historical reports.
Hail
Monticello: 38/100 · Panama City: 31/100
Monticello is 7 points higher.
Monticello: Hail risk derived from NOAA SPC historical reports.
Panama City: Hail risk derived from NOAA SPC historical reports.
Storm surge
Monticello: Unavailable · Panama City: 95/100
A score difference cannot be calculated without both sources.
Monticello: Storm surge model is not available for this location yet.
Panama City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Monticello: 67/100 · Panama City: 55/100
Monticello is 12 points higher.
Monticello: Wildfire exposure derived from ingested fire potential tiles.
Panama City: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Monticello: 26/100 · Panama City: 21/100
Monticello is 5 points higher.
Monticello: 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.