←Back to city snapshot←Back to Florida overview
Storm surge risk snapshot · Panama City Beach, FL

More for Florida: Highest storm surge risk cities · Florida live outlook

Current risk outlook

Storm surge risk for Panama City Beach, FL.

Live conditions updated just now. Refreshes every 5–40 minutes.

This view focuses on storm surge exposure patterns and coastal vulnerability near this city.

Live risk outlook

MODERATE

Moderate

Next 6–24 hours: Today: Moderate (36/100) · Rain 16% · Max wind 0 to 10 mph.

No active local alerts at this moment.

Sources: NOAA, NWS, SPC, NHC, FEMA, USGS.

Extended live outlook →

Historical risk score

Long-term baseline derived from historical hazard activity.

96

/ 100

Storm surge risk score96/100

For typical homes located in Panama City Beach, FL.

Baseline context

Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.

Compare other local risks

See how Panama City Beach scores across each hazard model.

City snapshot

All hazards combined

38/100

Flood risk

Heavy rain and low-lying flood exposure

58/100

Wind risk

Roof stress and gust-driven damage

42/100

AQI risk

Current air quality and AQI signal

18/100

Lightning risk

Thunderstorm and strike exposure

54/100

Wildfire risk

Fuels, dryness, and fire potential

9/100

Tornado risk

Historic tornado corridor exposure

20/100

Hail risk

Hail frequency and roof impact potential

10/100

Hurricane risk

Wind + surge + rain-driven flooding

71/100

Local historical hazard map

Panama City Beach, FL

Historical baseline tiles

Click a tile to update scores. These layers show long-term historical baseline risk, not live warnings or short-term forecast risk.

Surge intelligence snapshot

Nearest tide gauge (NOAA CO-OPS)

Panama City Beach (8729210)

Distance from Panama City Beach: 2 mi

Observed water level: 1.15 ft (MLLW)

Observed: local time

Source: NOAA CO-OPS.

NHC storm surge watch/warning

No NHC storm surge watch/warning posted.

Source: NHC advisory feed.

Coastal flood alerts (NWS)

No coastal flood alerts at this time.

Source: National Weather Service.

Wave & surf forecast

Observed wave height: 1.31 ft

Observed: local time

Buoy: Station 42357 (140 mi)

Source: NDBC buoy observations.

Protect your home before the next storm

Use surge exposure to plan evacuation timing and coastal coverage in Panama City Beach, FL.

Home insurance quotes

Compare storm-friendly coverage options for your address.

Check rates

Roof & window protection

Time inspections and upgrades around your local risk season.

Find pros

Emergency prep essentials guide

Build a storm kit and action checklist in 30 minutes.

Open guide

5-day surge outlook

Today

MODERATE

Rain chance: 16%

Max wind: 0 to 10 mph

Risk score: 36/100

Tomorrow

MODERATE

Rain chance: 29%

Max wind: 5 mph

Risk score: 43/100

Wed

LOW

Rain chance: 7%

Max wind: 5 to 10 mph

Risk score: 10/100

Thu

LOW

Rain chance: 3%

Max wind: 5 to 10 mph

Risk score: 10/100

Fri

LOW

Rain chance: 0%

Max wind: 5 to 10 mph

Risk score: 10/100

Historical storm surge exposure

Local surge data facts

Observed water level1.15 ft · 2 mi
Nearest buoy waves1.31 ft · 140 mi

Data from NOAA CO-OPS, NHC surge advisories, and NWS marine forecasts.

Historical storm surge exposure near Panama City Beach

  • Surge risk is highest near the coast and tidal waterways, and drops quickly inland.
  • Wind direction and storm approach angle can be as important as storm category.
  • Strong storms can create surge + rainfall flooding at the same time.

Storm surge FAQs for Panama City Beach

Can storm surge affect Panama City Beach?

Yes — coastal and tidal waterways can see elevated water levels during strong storms.

Is storm surge the same as flooding?

Surge is ocean water pushed onshore by wind/pressure; flooding can also come from rainfall, rivers, and drainage issues.