Panama City, FL: 7 Health Violations - Home Safety 96/100
11 ZIP codes · 7 water systems · Updated
ZipCheckup grade for Panama City: A.
No federal data flags a major home-safety concern for this ZIP.
Although water quality varies across any metro, Panama City's systems collectively post above-average compliance scores for FL - and documented violations are few.
How Panama City Compares
Data: EPA SDWIS
Key Facts for Panama City Residents
- Your city's water systems recorded 15 violations in the past 5 years.
- Average lead level: 0.0039 mg/L.
- Estimated remediation: $1,955 per household.
- CDC health risk index: 13.39 - above typical levels.
Panama City's Water Providers
Structurally, Panama City, FL's water supply is divided. Federal data identifies 7 water systems in the area, with 3 providers serving the bulk of residential connections. These utilities operate independently, meaning rate-setting authority and EPA compliance accountability are distributed rather than centralized.
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Overview
We track home safety data for 11 ZIP codes in Panama City, Florida (population ~119,493), covering 7 community water systems serving approximately 198,731 people region-wide. The EPA snapshots used for this build directly map water systems to 5 of 11 ZIP codes.
3 of 5 ZIP codes with a reported violation count in the available EPA record (60%) have recorded EPA violations. 7 health-based violations appear in the available health breakdown.
Home Safety Score
Average Home Safety Score for Panama City: A (96/100)
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 water systems draw from: Surface water.
Lead & Copper
- Average lead level (90th percentile): 0.0039 mg/L (EPA action level: 0.015 mg/L)
- 0 of 5 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): 11 ZIP codes
Top Contaminants
| Contaminant | Category | Violations | ZIPs Affected |
|---|---|---|---|
| Total Trihalomethanes (TTHM) | Disinfection Byproducts | 28 | 3 |
| Haloacetic Acids (HAA5) | Disinfection Byproducts | 6 | 3 |
| Stage 2 DBP Rule | Treatment Technique | 6 | 2 |
| Surface Water Treatment Rule | Treatment Technique | 6 | 3 |
| Consumer Confidence Report Rule | Reporting | 4 | 3 |
Areas with Most Violations
| ZIP Code | Safety Score | Violations | Health-Based | System |
|---|---|---|---|---|
| 32404 | A | 15 | 7 | Callaway, City of Water System |
| 32401 | A | 12 | 7 | Panama City Water System |
| 32405 | A | 11 | 4 | Panama City Water System |
Areas with No Violations
| ZIP Code | Safety Score | System | Population |
|---|---|---|---|
| 32408 | A | City of Panama City Beach | 67,205 |
| 32409 | — | Bay County Water System | 40,848 |
All ZIP Codes in Panama City
- 32401 [A] - 12 violations ⚠
- 32402
- 32403
- 32404 [A] - 15 violations ⚠
- 32405 [A] - 11 violations ⚠
- 32406
- 32408 [A]
- 32409
- 32411
- 32412
- 32417
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.
Panama City Community Health Snapshot
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
What's in Panama City's Water?
Based on EPA violation records. Check your ZIP code report for system-specific contaminant data.
How Remediation Costs Compare in Panama City
While no remediation project is entirely without cost, the relationship between estimated remediation and property values in Panama City is notably favorable - the equity share is small enough that the household financial perspective is one of proportionality rather than pressure, and most homeowners can treat it as routine planning rather than a significant financial event.
Remediation costs in Panama City are relatively low compared to home values. The $1,277–$3,018 estimated range is a small fraction of median property value. Home values are 29% below the Florida average.
Panama City: Lead Risk & Vulnerable Populations
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.
Lead risk in Panama City appears low overall, but individual homes may differ. Testing is the only way to confirm your water's lead content.
Sources: EPA Lead and Copper Rule, U.S. Census Bureau ACS, CDC childhood lead poisoning prevention guidelines.
Panama City: NFIP Claim Records and Water-Quality Context
Historical NFIP data for Panama City contains 4,145 flood insurance claims. Among claims with payment data, the average reported building, contents, and ICC component sum is $36,851. Among ZIP codes with claim records, 20% 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>$1,955</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, FL