Panama City Beach Flood Zone Map & Elevation Check
Free Florida flood zone lookup for Panama City Beach, FL — share of homes in FEMA high-risk flood zones, average ground elevation, and hurricane evacuation zones. Check any address for a parcel-level answer.
Flood risk in Panama City Beach at a glance
- Panama City Beach is in Bay County with about 20,052 homes.
- 29% of homes are in a FEMA high-risk flood zone (A/AE/VE); the most common zone is Zone X.
- Average ground elevation is 18.1 ft, ranging from 6.0 ft to 36.9 ft.
- 37% of homes are in hurricane evacuation zone A or B, the first to evacuate for storm surge.
FEMA flood zones
- Zone X: 71% of homes
- Zone VE: 21% of homes
- Zone A: 4% of homes
- Zone AE: 4% of homes
Evacuation zones
- Non-evac: 63% of homes
- Zone A: 37% of homes
What this means for buyers in Panama City Beach
Panama City Beach is a mix of high- and low-risk flood zones
About 29% of homes are in a Special Flood Hazard Area. Two houses a few blocks apart can have very different insurance requirements — this is where an address lookup matters most.
Hurricane evacuation zones A/B
About 37% of homes are in evacuation zone A or B — first to evacuate for storm surge. Florida lenders commonly require windstorm coverage in these zones.
Estimated from 30 residential points across Panama City Beach, weighted by 2020 Census housing units, using FEMA NFHL flood zones, Florida Division of Emergency Management evacuation zones, and ground elevation. These are area averages — flood zones and elevation change street by street.
Check a specific Panama City Beach address for its exact FEMA zone, parcel elevation, and evacuation zone.
Budgeting for a home in Panama City Beach? See Panama City Beach property tax for buyers: the year-1 tax you'll pay after the Save Our Homes reset, not the seller's capped bill.