City vs city
Panama City vs Upper Grand Lagoon, FL
Panama City currently scores 5 points higher overall than Upper Grand Lagoon, 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: 55/100 · Upper Grand Lagoon: 50/100
Panama City is 5 points higher.
Flood
Panama City: 41/100 · Upper Grand Lagoon: 47/100
Upper Grand Lagoon is 6 points higher.
Panama City: FEMA NFHL flood zones: 20 features intersect this tile.
Upper Grand Lagoon: FEMA NFHL flood zones: 17 features intersect this tile.
Wind
Panama City: 40/100 · Upper Grand Lagoon: 41/100
Upper Grand Lagoon is 1 points higher.
Panama City: Wind exposure derived from ingested design wind / climatology tiles.
Upper Grand Lagoon: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Panama City: 53/100 · Upper Grand Lagoon: 51/100
Panama City is 2 points higher.
Panama City: Lightning exposure derived from ingested climatology tiles.
Upper Grand Lagoon: Lightning exposure derived from ingested climatology tiles.
Tornado
Panama City: 100/100 · Upper Grand Lagoon: 100/100
No gap.
Panama City: Tornado risk derived from NOAA SPC historical reports.
Upper Grand Lagoon: Tornado risk derived from NOAA SPC historical reports.
Hail
Panama City: 31/100 · Upper Grand Lagoon: 35/100
Upper Grand Lagoon is 4 points higher.
Panama City: Hail risk derived from NOAA SPC historical reports.
Upper Grand Lagoon: Hail risk derived from NOAA SPC historical reports.
Storm surge
Panama City: 95/100 · Upper Grand Lagoon: 95/100
No gap.
Panama City: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Upper Grand Lagoon: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Panama City: 55/100 · Upper Grand Lagoon: 6/100
Panama City is 49 points higher.
Panama City: Wildfire exposure derived from ingested fire potential tiles.
Upper Grand Lagoon: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Panama City: 21/100 · Upper Grand Lagoon: 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.
Upper Grand Lagoon: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.