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Panam City, FL
Panam City · FL 32407
Updated October 31, 2026 · Would You Live There?
Think twice
Verdict
$470K
Median Price
…
Walk Score
9/10
Schools
326 min
to Jacksonville, FL
Score Breakdown
DAffordability
45/100
ASafety
92/100
ASchools
90/100
B-Quietness
70/100
FCommute
15/100
FWalkability
0/100
WYLT Score52/100
Our Take
Panam City offers strong schools and a decent income level, but its high flood risk and long commute to major employment centers make it a cautious choice. It can work for families or retirees who prioritize coastal living, but those sensitive to insurance costs and travel should consider alternatives.
B.
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The Good
- ✓Highly rated schools (average 8.7)
- ✓Solid median household income for the area
- ✓Beautiful coastal location for recreation
- ✓Potential for property appreciation
Real Talk
- !High flood risk (AE flood zone) requiring costly insurance
- !Long commute to Jacksonville (326 minutes)
- !Limited walkability and public transit
- !Vulnerability to hurricanes and storm surge
- $Flood insurance premium
- $Elevated property taxes due to coastal location
- $Higher maintenance costs for hurricane protection
Best For
families with good schoolsretirees seeking coastal lifestyleremote workersvacation homeowners
Risk Snapshot
Flood riskHigh
Violent crimeLow
Property crimeLow
Air qualityGood
Price volatilityModerate
Crime & Safety
Panam City, FL
A
Safety grade
Safety score92 / 100
High riskVery safe
⚠️Violent Crime
Low1.6incidents / 1,000 residents / yr
0Natl avg (3.7)11+
57% safer than the national average
🔒Property Crime
Low9.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+
50% safer than the national average
Verify with real-time data
City-Data stats →From Residents
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