Panama City, FL: 7 Health Violations - Home Safety 96/100
11 ZIP codes · 7 water systems · Updated
ZipCheckup grade for Panama City: A.
The model grade is high, but the records on this page include findings worth reviewing.
Your top priority: match a filter's certification to the violations (7 health-based violations). NSF certified filters →
Panama City, FL scores in the upper band of the ZipCheckup grade.
How Panama City Compares
Data: EPA SDWIS
Key Facts for Panama City Residents
- Your city's water systems recorded 15 violations since 2021.
- Average of reported 90th-percentile lead results: 0.0039 mg/L.
- Estimated remediation: $600 per household.
- Health risk index (ZipCheckup composite of CDC data): 13.39.
Panama City's Water Providers
When a city is linked to 7 water systems, as Panama City, FL is in federal records, water in one neighborhood may come from a different system than in another. The 3 systems with the largest reported populations are shown below, and their compliance records are kept separately, so a violation logged for one does not describe the others.
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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 of reported 90th-percentile lead results: 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
11 of 11 ZIP records with known zones are in EPA Radon Zone 3.
The EPA recommends testing all homes regardless of radon zone. County radon zones cannot replace an in-home radon test.
Top Contaminants
| Contaminant | Category | Violations | ZIPs Affected |
|---|---|---|---|
| Haloacetic Acids (HAA5) | Disinfection Byproducts | 28 | 3 |
| Total Trihalomethanes (TTHM) | Disinfection Byproducts | 6 | 3 |
| Lead and Copper Rule Revisions | Treatment Technique | 6 | 2 |
| Consumer Confidence Rule | Reporting | 6 | 3 |
| Revised Total Coliform Rule | Microbiological | 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). County health indicators are shown for context only and are not linked to this area's water records.
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
Because the median home value in Panama City is large relative to the estimated cost of remediation, the ratio between them stays at or below 1%; that is a statement about two area-level numbers, not a quote for a particular house or a judgment about what an owner can pay.
Estimated remediation costs in Panama City can be compared with local home values. The $300–$1,500 estimated range can be set against the median property value; actual costs vary by home. Home values are 29% below the Florida average.
Panama City: Lead Risk & Vulnerable Populations
Why children are most at risk: The CDC states that no safe blood lead level in children has been identified. Children under 6 absorb lead more readily than adults, and even low levels can cause developmental delays, learning difficulties, and behavioral problems.
Available area-level lead records for Panama City do not determine the lead level at an individual tap. 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 $600 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