Panama City, FL: 11 Health Violations — 84/100 (2026)
11 ZIP codes · 6 water systems · Updated 2026-06-03
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 Last verified: 2026-06-03
Water Quality Map: Panama City, FL
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
Score Distribution
Safety grade breakdown for Panama City's 11 ZIP codes.
Key Facts for Panama City Residents
- Your city's water systems recorded 154 violations in the past 5 years.
- Average lead level: 0.0007 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 6 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.
Overview
We track water quality and home safety data for 11 ZIP codes in Panama City, Florida, covering 6 community water systems serving approximately 119,493 people.
11 of 11 ZIP codes (100%) have recorded EPA violations. 11 health-based violations documented.
Home Safety Score
Average Home Safety Score for Panama City: B (84/100)
The score combines three factors:
| Factor | What It Measures |
|---|---|
| Water Quality | EPA violations and compliance history |
| Lead Levels | 90th percentile lead concentration vs EPA action level |
| Radon Risk | EPA radon zone classification |
Water Sources
Panama City water systems draw from: Groundwater, Surface water.
Lead & Copper
- Average lead level (90th percentile): 0.0007 mg/L (EPA action level: 0.015 mg/L)
- 0 ZIP codes 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 |
|---|---|---|---|
| Consumer Confidence Report Rule | Reporting | 84 | 11 |
| Total Coliform | Microbiological | 24 | 11 |
| Stage 2 DBP Rule | Treatment Technique | 24 | 11 |
| Surface Water Treatment Rule | Treatment Technique | 24 | 11 |
| Total Trihalomethanes (TTHM) | Disinfection Byproducts | 12 | 11 |
Areas with Most Violations
| ZIP Code | Safety Score | Violations | Health-Based | System |
|---|---|---|---|---|
| 32401 | B | 14 | 1 | Bay County Water System |
| 32402 | A | 14 | 1 | Bay County Water System |
| 32403 | A | 14 | 1 | Bay County Water System |
| 32404 | B | 14 | 1 | Bay County Water System |
| 32405 | B | 14 | 1 | Bay County Water System |
| 32406 | A | 14 | 1 | Bay County Water System |
| 32408 | B | 14 | 1 | City of Panama City Beach |
| 32409 | B | 14 | 1 | Bay County Water System |
| 32411 | A | 14 | 1 | Bay County Water System |
| 32412 | A | 14 | 1 | Bay County Water System |
All ZIP Codes in Panama City
- 32401 [B] — 14 violations ⚠
- 32402 [A] — 14 violations ⚠
- 32403 [A] — 14 violations ⚠
- 32404 [B] — 14 violations ⚠
- 32405 [B] — 14 violations ⚠
- 32406 [A] — 14 violations ⚠
- 32408 [B] — 14 violations ⚠
- 32409 [B] — 14 violations ⚠
- 32411 [A] — 14 violations ⚠
- 32412 [A] — 14 violations ⚠
- 32417 [A] — 14 violations ⚠
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
Updated daily.
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: Flood History & Water Damage Risk
Unlike communities where NFIP data shows minimal flood history, Panama City's record documents 4143 claims and 91% of ZIP codes inside FEMA flood zones — a combination that moves flood-related water quality risk from the background into the foreground of any complete local water assessment. Flooding can overwhelm treatment capacity, contaminate wells, and trigger distribution backflow; at this level of exposure, those mechanisms have likely been activated during significant flood events.
Panama City has a significant flood history with 4,143 FEMA flood insurance claims on record, averaging $49,449 per claim. With 91% of ZIP codes in FEMA-designated flood zones, flood risk is a major concern for homeowners and water quality.
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. Flood damage can add significantly to the estimated <strong>$1,955</strong> remediation cost per household.
Residents in flood-prone areas should consider flood insurance even outside FEMA zones — over 25% of flood claims come from low-to-moderate risk areas. After any flood event, test your water before drinking.
Source: FEMA National Flood Insurance Program (NFIP) claims data, FEMA flood zone designations.
Deep Dive Reports
Detailed analysis for Panama City, FL