Panama City Beach, FL Home Safety: Home Safety 100/100
2 ZIP codes · 3 water systems · Updated
ZipCheckup grade for Panama City Beach: A.
No federal data flags a major home-safety concern for this ZIP.
Across Panama City Beach, EPA monitoring data shows low violation rates and healthy safety margins - a pattern that places the city well above FL's average for drinking water compliance across recent reporting cycles.
How Panama City Beach Compares
Data: EPA SDWIS
Panama City Beach Water: The Quick Version
- Average lead level: 0.0035 mg/L.
- Homes built before 1986: 26% - older plumbing may contain lead solder.
- Estimated remediation: $1,800 per household.
- CDC health risk index: 13.42 - above typical levels.
Water Systems Serving Panama City Beach
Residential addresses in Panama City Beach, FL are served by 3 primary water providers out of 3 systems in federal records. Each system maintains separate infrastructure and files its own EPA compliance reports, so service conditions are not uniform across the city.
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Overview
We track home safety data for 2 ZIP codes in Panama City Beach, Florida (population ~30,673), covering 3 community water systems serving approximately 170,278 people region-wide. The EPA snapshots used for this build directly map water systems to 2 of 2 ZIP codes.
The available EPA record reports 0 violations for 2 ZIP codes with a reported violation count.
Home Safety Score
Average Home Safety Score for Panama City Beach: A (100/100)
Model 4.0.0 uses four measured components across three equally weighted domains. If a required domain is unavailable, no score is published:
| Factor | What It Measures |
|---|---|
| Water Quality | EPA violations and compliance history |
| PFAS MCL Screen | UCMR 5 testing against the covered federal MCLs |
| Radon Risk | EPA radon zone classification |
| Annual AQI | EPA AirData county-year median with at least 90 observed days |
Water Sources
Panama City Beach water systems draw from: Groundwater, Surface water.
Lead & Copper
- Average lead level (90th percentile): 0.0035 mg/L (EPA action level: 0.015 mg/L)
- 0 of 2 ZIP codes with known status exceed the EPA lead action level
Radon Risk
Dominant radon zone: Zone 3 (Low Risk)
- Zone 1 (High): 0 ZIP codes
- Zone 2 (Moderate): 0 ZIP codes
- Zone 3 (Low): 2 ZIP codes
Areas with No Violations
| ZIP Code | Safety Score | System | Population |
|---|---|---|---|
| 32407 | A | City of Panama City Beach | 67,205 |
| 32413 | A | City of Panama City Beach | 67,205 |
All ZIP Codes in Panama City Beach
Data Sources
- Water quality: EPA Safe Drinking Water Information System (SDWIS)
- Lead/copper: EPA Lead and Copper Rule sampling data
- Radon: EPA Map of Radon Zones
Reporting periods vary by source. Missing data is shown as unavailable, not as zero.
CDC Health Data for Panama City Beach
Source: CDC PLACES (County-level estimates). Water contamination can correlate with respiratory and chronic health conditions.
Compared to National Average
Vertical line = national average. ■ Above national · ■ Below national
How Old Is Panama City Beach's Housing Stock?
Housing age data helps assess potential lead pipe and infrastructure risks. Newer housing stock generally means lower plumbing-related contamination risk.
Source: U.S. Census Bureau American Community Survey (ACS).
Housing Age Profile
A median build year of 2002 in Panama City Beach points to a housing stock where post-1986 construction is the norm. That matters because lead solder in plumbing - banned federally in 1986 - is a primary pathway by which older homes can elevate tap water lead above what enters the distribution system.
Most homes in Panama City Beach were built after 1986, reducing the risk of lead contamination from plumbing. Older homes should still be tested.
Source: U.S. Census Bureau ACS B25034.
Panama City Beach: Remediation Cost in Perspective
Low proportionality - that's the Panama City Beach picture when remediation costs are placed against typical home equity.
Remediation costs in Panama City Beach are relatively low compared to home values. The $1,200–$2,500 estimated range is a small fraction of median property value. Home values are 19% above the Florida average.
Protecting Children from Lead in Panama City Beach
Why children are most at risk: The CDC states there is no safe level of lead exposure for children. Children under 6 absorb lead more readily than adults, and even low levels can cause developmental delays, learning difficulties, and behavioral problems.
Pre-rule stock in Panama City Beach accounts for 26% of the inventory - a modest fraction - and citywide samples land safely beneath the federal action mark.
Sources: EPA Lead and Copper Rule, U.S. Census Bureau ACS, CDC childhood lead poisoning prevention guidelines.
Historical Flood-Claim Evidence for Panama City Beach
Historical NFIP data for Panama City Beach contains 2,694 flood insurance claims. Among claims with payment data, the average reported building, contents, and ICC component sum is $51,134. Among ZIP codes with claim records, 0% have an A- or V-family dominant rated zone recorded in those historical claims. This is not a complete current FEMA property-map inventory.
How flooding affects water quality: Flood events can introduce sewage, agricultural runoff, and industrial chemicals into water supplies. Even after floodwaters recede, contamination can persist in wells and aging infrastructure. The <strong>$1,800</strong> remediation estimate shown here excludes flood insurance and is not derived from NFIP claim count.
Claim count does not establish current property risk. Check the exact address in FEMA's current map and obtain a property-specific insurance quote when relevant.
Source: historical FEMA National Flood Insurance Program (NFIP) claim records. No current FEMA property-map designation is asserted.
Deep Dive Reports
Detailed analysis for Panama City Beach, FL