City vs city
Panama City Beach vs Ponte Vedra, FL
Ponte Vedra currently scores 2 points higher overall than Panama City Beach, with the largest gap in wildfire.
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
Panama City Beach: 39/100 · Ponte Vedra: 41/100
Ponte Vedra is 2 points higher.
Flood
Panama City Beach: 58/100 · Ponte Vedra: 48/100
Panama City Beach is 10 points higher.
Panama City Beach: FEMA NFHL flood zones: 19 features intersect this tile.
Ponte Vedra: FEMA NFHL flood zones: 23 features intersect this tile.
Wind
Panama City Beach: 42/100 · Ponte Vedra: 35/100
Panama City Beach is 7 points higher.
Panama City Beach: Wind exposure derived from ingested design wind / climatology tiles.
Ponte Vedra: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Panama City Beach: 54/100 · Ponte Vedra: 93/100
Ponte Vedra is 39 points higher.
Panama City Beach: Lightning exposure derived from ingested climatology tiles.
Ponte Vedra: Lightning exposure derived from ingested climatology tiles.
Tornado
Panama City Beach: 19/100 · Ponte Vedra: 15/100
Panama City Beach is 4 points higher.
Panama City Beach: Tornado risk derived from NOAA SPC historical reports.
Ponte Vedra: Tornado risk derived from NOAA SPC historical reports.
Hail
Panama City Beach: 10/100 · Ponte Vedra: 14/100
Ponte Vedra is 4 points higher.
Panama City Beach: Hail risk derived from NOAA SPC historical reports.
Ponte Vedra: Hail risk derived from NOAA SPC historical reports.
Storm surge
Panama City Beach: 96/100 · Ponte Vedra: Unavailable
A score difference cannot be calculated without both sources.
Panama City Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Ponte Vedra: Storm surge model is not available for this location yet.
Wildfire
Panama City Beach: 9/100 · Ponte Vedra: 64/100
Ponte Vedra is 55 points higher.
Panama City Beach: Wildfire exposure derived from ingested fire potential tiles.
Ponte Vedra: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Panama City Beach: 21/100 · Ponte Vedra: 18/100
Panama City Beach is 3 points higher.
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.
Ponte Vedra: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.