Panama City, FL (ZIP 32403) has a moderate disaster history with 49 recorded events. These include 25 tornadoes, 9 floods, and 8 hailstorms. Total documented property damage amounts to $33.4M. These events have resulted in 4 recorded deaths and 78 injuries.
With 25 recorded incidents (51% of all events), tornadoes are the leading natural hazard for this ZIP code. Of these, 2 (8%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for tornado-related events here is 4/5 (severe). Tornado-related events have caused a combined $26.2M in documented property damage. 4 fatalities have been attributed to tornadoes in this area. The most recent recorded tornado occurred on Oct 27, 2025.
Panama City has experienced 9 floods on record. Of these, 4 (44%) were rated at severity level 4 or 5 — the most intense on the normalized scale. The highest recorded severity for flood-related events here is 5/5 (extreme). Flood-related events have caused a combined $2.2M in documented property damage. The most recent recorded flood occurred on Oct 7, 2021.
Panama City has experienced 8 hailstorms on record. The most recent recorded hailstorm occurred on May 10, 2024.
Panama City has experienced 7 severe wind events on record. Wind-related events have caused a combined $5M in documented property damage. The most recent recorded severe wind event occurred on Jan 9, 2024.
The most significant disaster event on record for Panama City was EF3 Tornado on Jan 9, 2024, which caused $15.3M in property damage. Another major event was EF1 Tornado (Sep 15, 2004), causing $5M in damages. 81 mph Thunderstorm Wind on May 8, 2006 also caused significant damage ($5M).
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Based on federal and state records, ZIP code 32403 has experienced 49 natural disaster events. The hazard types affecting this area include tornadoes (25 events), floods (9 events), hailstorms (8 events), and severe wind events (7 events). The primary hazard is tornadoes, which account for 51% of all recorded events.
Tornadoes are the most frequently recorded hazard in Panama City, FL, with 25 events documented. These events have caused a combined $26.2M in property damage.
Yes, Panama City (ZIP 32403) has 9 recorded flood events. These floods have caused $2.2M in total property damage. The most recent flood on record occurred on Oct 7, 2021.
Panama City has 25 recorded tornado events in the historical record. The strongest tornado recorded reached severity level 4/5 on the normalized scale. Total property damage from tornadoes in this area is $26.2M. The most recent tornado was recorded on Oct 27, 2025.
The most damaging natural disaster on record for ZIP code 32403 was EF3 Tornado, which occurred on Jan 9, 2024. This event caused $15.3M in documented property damage. It was rated at severity level 4/5.
Natural disasters have caused a documented total of $33.4M in property damage in the Panama City, FL area (ZIP 32403). This figure is based on historical records from FEMA, NOAA Storm Events Database, and USGS, and covers events from the 1950s through the present. Actual damages may be higher, as not all events have complete damage assessments.
Data sourced from FEMA (disaster declarations, NFIP flood claims), NOAA Storm Events Database, USGS Earthquake Hazards Program, and NIFC wildfire records. Historical coverage varies by source, with most records beginning in the 1950s–1970s. Full methodology →