Flood history · Panama City, FL 32409
Flood insurance claims in Panama City, FL 32409
191 claims since 1980 and $3.5 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 32409 since 1978.
What the record says
85% of claims were on properties in high-risk zones and 15% outside them.
Losses are spread across many events; the largest, Hurricane Opal, accounts for 35% of claims.
Flooding here is recent: 64 claims (34%) were in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Bay County* takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Opal | 1995 | 66 | 35% |
| Hurricane Michael | 2018 | 51 | 27% |
| Hurricane Ivan | 2004 | 18 | 9% |
| Hurricane Dennis | 2005 | 17 | 9% |
| Hurricane Sally | 2020 | 4 | 2% |
| Tropical Storm Fred | 2021 | 3 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Bay County
Flood, hurricane and storm declarations since 2000.
30 flood, storm or hurricane declarations for Bay County since 2000.
Check a specific address in Panama City.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby Florida ZIP codes
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.