City vs state
How does Panama City compare with FL?
Panama City is most below the FL reference in hail (60 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
55/100
FL
71/100
16 points below state reference.
Flood
Panama City
41/100
FL
64/100
23 points below state reference.
Wind
Panama City
40/100
FL
53/100
13 points below state reference.
Lightning
Panama City
53/100
FL
99/100
46 points below state reference.
Tornado
Panama City
100/100
FL
77/100
23 points above state reference.
Hail
Panama City
31/100
FL
91/100
60 points below state reference.
Storm surge
Panama City
95/100
FL
95/100
At state reference.
Related pages