🚨 Evacuation
A through E zones — coastal Bay/Walton/Okaloosa/Escambia
🌀 Regional planning estimate
Panama City Beach Hurricane Readiness
A starting point for understanding wind, flood, surge, evacuation, and preparedness considerations in Panama City Beach, Bay.
Design wind speed
140 mph
140 mph design wind speed (FBC Risk Cat II)
Max storm surge
Category 4
SLOSH-modeled worst case
High-risk flood
22%
of city land in FEMA AE/VE zones
Illustrative wind premium
$2,400
Illustrative planning value, not a quote
⚠️ Top threats for Panama City Beach
- Gulf-of-Mexico landfalls (Michael 2018, Sally 2020)
- Storm-surge flooding along the Emerald Coast
- Winter cold snaps mid-season
🛠 Prep window (May 1 – June 1)
- Schedule a wind-mitigation inspection — discount renews every 5 years.
- Test and deploy hurricane shutters; lubricate tracks.
- Service generator + stock 7-10 days of stabilized fuel.
- Trim trees and palm fronds away from roof and power lines.
- Photograph home interior + exterior for insurance baseline.
- Confirm flood insurance is active (30-day waiting period).
Storm-prep professionals listed in Panama City Beach
Build your Panama City Beach storm-prep shortlist
Browse local listings for shutters, roofing, generators, wind-mitigation inspections, and tree service. Verify licenses, insurance, scope, and pricing before hiring.
Browse Panama City Beach professionals →Regional planning estimate for the Panhandle region — not city- or property-specific data. Confirm your address with FEMA, Bay emergency management, the local evacuation-zone map, and an insurer. Flood maps, evacuation zones, insurance pricing, and public guidance can change.