Panama City, FL
Local storm history & FEMA National Risk Index data
Panama City is rated Relatively Moderate for overall natural hazard risk — near the middle compared to other US counties — based on FEMA's National Risk Index for Bay County, FL. The county's highest-rated hazards are hurricane, lightning, and tornado.
Storm events near Panama City
NOAA-recorded tornado, hail, and flood events within 25 miles of Panama City's center, 2016–2026 — the only hazards NOAA reports with exact coordinates, so these counts are specific to Panama City itself, not the whole county.
County-wide hazard risk
Every other hazard FEMA and NOAA track — including drought — is only scored at the county level. These are Bay County's FEMA National Risk Index scores, covering Panama City along with the rest of the county, not a Panama City-specific figure.
| Hazard | NRI score | Rating |
|---|---|---|
| Wildfire | 75.7 | Relatively Low |
| Inland Flooding | 74.7 | Relatively Moderate |
| Coastal Flooding | 77.2 | Relatively Moderate |
| Earthquake | 54.9 | Very Low |
| Heat Wave | 84.3 | Relatively Moderate |
| Tornado | 94.1 | Relatively High |
| Avalanche | — | Not Applicable |
| Cold Wave | 79.3 | Relatively Moderate |
| Drought | 17.1 | Very Low |
| Hail | 20.4 | Very Low |
| Hurricane | 98.7 | Very High |
| Ice Storm | — | Not Applicable |
| Landslide | 33.4 | Very Low |
| Lightning | 97.8 | Very High |
| Strong Wind | 67.1 | Relatively Moderate |
| Tsunami | — | Insufficient Data |
| Volcanic Activity | — | Not Applicable |
| Winter Weather | 32.6 | Relatively Low |
Source: FEMA National Risk Index v1.20.0, December 2025. See the methodology page for definitions, or the full Bay County risk profile for disaster declarations, social vulnerability, and climate projection data.
Other cities in Bay County:
More on Bay County:
Frequently asked questions
What natural hazards is Panama City, FL at risk of?
Panama City is rated Relatively Moderate for overall natural hazard risk by FEMA's National Risk Index — near the middle compared to other US counties. The highest-rated hazards for Bay County, where Panama City is located, are hurricane, lightning, and tornado.
What is Panama City's biggest natural hazard risk?
Hurricane is the highest-rated hazard for Bay County, where Panama City is located, scoring 98.7 out of 100 on FEMA's National Risk Index (rated "Very High").
Is Panama City a high-risk area for natural disasters?
Somewhat — Panama City carries near the middle compared to other US counties for overall natural hazard risk, per FEMA's National Risk Index rating of "Relatively Moderate" for Bay County.
Has Panama City had tornadoes, hail, or flooding?
NOAA has recorded 22 tornado, 24 hail, 143 inland flooding events within 25 miles of Panama City since 2016.