City vs state
How does Panama City Beach compare with FL?
Panama City Beach is most below the FL reference in hail (81 points lower).
Use this page to compare city-level risk against the statewide reference for relocation and planning. The benchmark is p85-based state reference, not an arithmetic average. Missing coverage is unavailable, not zero risk.
Score comparison
Overall
Panama City Beach
39/100
FL
69/100
30 points below state reference.
Flood
Panama City Beach
58/100
FL
64/100
6 points below state reference.
Wind
Panama City Beach
42/100
FL
35/100
7 points above state reference.
Lightning
Panama City Beach
54/100
FL
99/100
45 points below state reference.
Tornado
Panama City Beach
19/100
FL
77/100
58 points below state reference.
Hail
Panama City Beach
10/100
FL
91/100
81 points below state reference.
Storm surge
Panama City Beach
96/100
FL
95/100
1 points above state reference.
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