City vs city
Panama City vs Panama City Beach, FL
Panama City currently scores 16 points higher overall than Panama City Beach, 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
Panama City: 55/100 · Panama City Beach: 39/100
Panama City is 16 points higher.
Flood
Panama City: 41/100 · Panama City Beach: 58/100
Panama City Beach is 17 points higher.
Panama City: FEMA NFHL flood zones: 20 features intersect this tile.
Panama City Beach: FEMA NFHL flood zones: 19 features intersect this tile.
Wind
Panama City: 40/100 · Panama City Beach: 42/100
Panama City Beach is 2 points higher.
Panama City: Wind exposure derived from ingested design wind / climatology tiles.
Panama City Beach: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Panama City: 53/100 · Panama City Beach: 54/100
Panama City Beach is 1 points higher.
Panama City: Lightning exposure derived from ingested climatology tiles.
Panama City Beach: Lightning exposure derived from ingested climatology tiles.
Tornado
Panama City: 100/100 · Panama City Beach: 19/100
Panama City is 81 points higher.
Panama City: Tornado risk derived from NOAA SPC historical reports.
Panama City Beach: Tornado risk derived from NOAA SPC historical reports.
Hail
Panama City: 31/100 · Panama City Beach: 10/100
Panama City is 21 points higher.
Panama City: Hail risk derived from NOAA SPC historical reports.
Panama City Beach: Hail risk derived from NOAA SPC historical reports.
Storm surge
Panama City: 95/100 · Panama City Beach: 96/100
Panama City Beach is 1 points higher.
Panama City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Panama City Beach: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Panama City: 55/100 · Panama City Beach: 9/100
Panama City is 46 points higher.
Panama City: Wildfire exposure derived from ingested fire potential tiles.
Panama City Beach: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Panama City: 21/100 · Panama City Beach: 21/100
No gap.
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.
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.