ZIP code
32404
in Panama City, FloridaPopulation 42,514
48.03/ 100
Ranked #18,888 of 32,066 US ZIPs (bottom 41%)
Ranked #654 of 974 Florida ZIPs (bottom 33%)
Ranked #8 of 17 Panama City-Panama City Beach, FL ZIPs (top 47%)
Ranks are modeled estimates — ZIPs a few hundred places apart are effectively tied.
What defines this ZIP
Metrics where this ZIP sits in the tails of the national distribution — the ones that most set it apart. Select any tile for its definition and methodology.
Floodplain exposure
46%
in the top 4.8% nationally
Lower is healthier
ST72ndUS95thDefinition & source ›
The share of this ZIP’s land area inside FEMA’s 1%-annual-chance floodplain — the “100-year” flood zone, where flooding has about a 1-in-100 chance in any given year.
Measured from FEMA’s mapped flood panels. Where a panel has not been mapped, no value is published for that ZIP — those ZIPs are absent from this comparison rather than counted as unexposed.
Full methodology ›Expected annual disaster loss
$0
in the top 5.2% nationally
Lower is healthier
ST99thUS95thDefinition & source ›
FEMA’s modeled estimate, in dollars per year, of the average harm to people expected from natural hazards — an annualized average, not a forecast for any single year.
Full methodology ›Natural-disaster risk
in the top 5.6% nationally
Lower is healthier
ST94thUS94thDefinition & source ›
This area’s national rank on its single highest non-flood natural hazard — such as wildfire, tornado, or earthquake — in FEMA’s modeled National Risk Index; flooding is shown separately.
Full methodology ›Distance to a Superfund site
1.1 mi
in the bottom 7.7% nationally
Higher is healthier
ST11thUS8thDefinition & source ›
The distance in miles from this ZIP’s edge to the nearest Superfund site — an abandoned or uncontrolled hazardous-waste site the EPA has listed for cleanup.
Full methodology ›The read
On the composite measure, ZIP 32404, one of several in Panama City, Florida stands in the bottom 41% nationally (18,888th) and the bottom 33% of Florida (654th).
Several signals sit on each side of the ledger here: distance to a nursing home rests at the national minimum, shared with about 27% of ZIPs. Modeled radon lands in the bottom 10.3% nationally, and home broadband subscription settles in the top 14.0% nationally. Working the other way, floodplain exposure rests in the top 4.8% nationally, modeled expected annual loss lands in the top 5.2% nationally, and modeled disaster risk settles in the top 5.6% nationally. Distance to a Superfund site rests in the bottom 7.7% nationally, outer-floodplain exposure lands in the top 14.3% nationally, and modeled short sleep settles in the top 16% nationally. Slow internet speeds rests in the top 24% nationally.
Set beside the wider area around it, expected annual loss runs far higher than the surrounding ZIPs on this measure. For clarity, expected annual loss is FEMA's modeled estimate, in dollars, of average yearly harm to people from natural hazards. Disaster risk is the area's national rank on its highest non-flood peril in FEMA's modeled Risk Index, like wildfire or quake. Distance to a Superfund site is an abandoned or uncontrolled hazardous-waste site the EPA has identified for cleanup. ZIP 32403, just across the boundary, ranks better overall among the ZIPs nearby.
What’s driving this score
Nine domains make up the ZipVitals Score — here is how this ZIP does on each, and how much each one counts. Compare it against the US, this state and the Panama City-Panama City Beach, FL metro area.
Compared with the ZIP codes measured across all nine scoring domains — not with all US ZIP codes.
Lifting this score
Healthcare Access
healthier than 70%
5%
About typical
Chronic Disease Burden
healthier than 58%
21%
Social Need / SDOH
healthier than 51%
16%
Environmental Hazard
healthier than 46%
14%
Mental Health
healthier than 49%
8%
Disability
healthier than 49%
7%
Holding it back
Preventive Care
healthier than 20%
13%
Risk Behavior
healthier than 25%
11%
Climate / Disaster Risk
healthier than 15%
5%
Lifting this score
Climate / Disaster Risk
healthier than 65%
5%
About typical
Chronic Disease Burden
healthier than 58%
21%
Disability
healthier than 55%
7%
Healthcare Access
healthier than 49%
5%
Holding it back
Social Need / SDOH
healthier than 25%
16%
Environmental Hazard
healthier than 19%
14%
Preventive Care
healthier than 30%
13%
Risk Behavior
healthier than 21%
11%
Mental Health
healthier than 14%
8%
Lifting this score
Chronic Disease Burden
healthier than 83%
21%
Preventive Care
healthier than 75%
13%
Risk Behavior
healthier than 67%
11%
Mental Health
healthier than 67%
8%
Disability
healthier than 75%
7%
Climate / Disaster Risk
healthier than 92%
5%
Healthcare Access
healthier than 83%
5%
About typical
Social Need / SDOH
healthier than 58%
16%
Holding it back
Environmental Hazard
in the bottom 0.00%
14%
“Share” is how much of this ZIP’s score the domain accounts for. Percentages are rounded; higher is healthier in every domain. How the score works, and who it compares you with ›
Findings that name this ZIP
One of our published findings lists this ZIP code. Each finding compares one published measure against a stated benchmark, and names only the ZIP codes whose estimates are reliable enough to rank. See all surprising findings.
Below what income predicts
The ZIP codes that outlive their incomes
Estimated life expectancy is 76.1 ± 1.1 years. A median household income of $74,708 predicts 78.9 years — 2.9 years below.
Ranked #3,929 of the 5,842 ZIP codes this finding names, ordered by years above what income predicts, highest first.
Nearby & similar ZIPs
Editorially selected — see how this ZIP compares to nearby and similar places.
Nearby
32401
Floridashares a border
Score 42.57
Closest healthier
32403
Floridashares a border
Score 53.81
Similar health profile
77511
Texas97% similar profile
Score 45.72
How these were chosen: only ZIPs with a published Score appear — a nearby ZIP with too little data to score won’t. Nearby means closest by distance between ZIP boundaries, which can cross state lines. A similar health profile is a close match across the nine Score domains, not similar demographics. Distances are measured between ZIP boundaries — ZIPs that touch share a border. How distance is measured
Evidence
Every measure this page draws on, by source. Collapsed by default — the full data stays in the page for search engines either way.
Health OutcomesCDC PLACES 2022 / 2023 · BRFSS
| Measure | Crude prevalence | 95% CI |
|---|---|---|
| Arthritis among adults | 27.7% | 25.0–30.5 |
| High blood pressure among adults | 37.3% | 33.9–40.7 |
| Cancer (non-skin) or melanoma among adults | 8.4% | 7.6–9.1 |
| Current asthma among adults | 10.1% | 8.9–11.3 |
| Coronary heart disease among adults | 7.1% | 6.4–7.8 |
| Chronic obstructive pulmonary disease among adults | 8.0% | 7.2–8.9 |
| Depression among adults | 20.8% | 18.0–23.7 |
| Diagnosed diabetes among adults | 11.9% | 10.4–13.4 |
| High cholesterol among adults who have ever been screened | 38.7% | 35.2–42.2 |
| Obesity among adults | 33.7% | 28.7–38.9 |
| Stroke among adults | 3.7% | 3.4–4.0 |
| All teeth lost among adults aged >=65 years | 14.8% | 12.2–17.5 |
PreventionCDC PLACES 2022 / 2023 · BRFSS
| Measure | Crude prevalence | 95% CI |
|---|---|---|
| Current lack of health insurance among adults aged 18-64 years | 13.4% | 11.8–15.0 |
| Taking medicine to control high blood pressure among adults with high blood pressure | 75.3% | 72.4–77.9 |
| Visits to doctor for routine checkup within the past year among adults | 75.2% | 71.8–78.3 |
| Cholesterol screening among adults | 84.3% | 82.5–85.9 |
| Colorectal cancer screening among adults aged 45–75 years | 64.6% | 60.0–68.9 |
| Visited dentist or dental clinic in the past year among adults | 56.6% | 53.2–59.9 |
| Mammography use among women aged 50-74 years | 72.8% | 65.6–79.2 |
Health Risk BehaviorsCDC PLACES 2022 / 2023 · BRFSS
| Measure | Crude prevalence | 95% CI |
|---|---|---|
| Binge drinking among adults | 17.1% | 14.5–19.9 |
| Current cigarette smoking among adults | 15.9% | 13.9–17.9 |
| No leisure-time physical activity among adults | 26.0% | 22.6–29.5 |
| Short sleep duration among adults | 40.3% | 35.3–45.4 |
Health StatusCDC PLACES 2023 · BRFSS
| Measure | Crude prevalence | 95% CI |
|---|---|---|
| Fair or poor self-rated health status among adults | 20.6% | 18.4–22.9 |
| Frequent mental distress among adults | 18.5% | 16.6–20.5 |
| Frequent physical distress among adults | 15.1% | 13.5–16.7 |
DisabilityCDC PLACES 2023 · BRFSS
| Measure | Crude prevalence | 95% CI |
|---|---|---|
| Cognitive disability among adults | 15.6% | 14.0–17.2 |
| Any disability among adults | 32.7% | 29.1–36.2 |
| Hearing disability among adults | 7.2% | 6.5–8.0 |
| Independent living disability among adults | 8.8% | 7.9–9.7 |
| Mobility disability among adults | 14.8% | 13.1–16.4 |
| Self-care disability among adults | 4.1% | 3.7–4.4 |
| Vision disability among adults | 5.6% | 5.1–6.0 |
Community & economyCensus ACS 5-Year · 2024 release · observed
| Measure | Value | US median (p10–p90) | FL median (p10–p90) |
|---|---|---|---|
| Poverty rate | 10.5% | 10.6% (3.1–25.8%) n=32,364 | 11.4% (5.3–23.2%) n=972 |
| Uninsured 18–64 | 18.9% | 9.0% (1.5–24.3%) n=32,286 | 15.9% (7.1–27.2%) n=968 |
| No HS diploma (25+) | 11.7% | 7.9% (1.8–20.7%) n=32,505 | 8.7% (2.9–20.6%) n=977 |
| Bachelor's or higher (25+) | 23.4% | 23.3% (9.2–53.6%) n=32,505 | 29.1% (12.7–56.0%) n=977 |
| Unemployment rate (16+) | 3.2% | 3.9% (0.0–9.8%) n=32,274 | 4.4% (1.8–7.7%) n=968 |
| Households without a vehicle | 3.0% | 3.9% (0.0–12.5%) n=32,322 | 4.3% (1.2–11.0%) n=972 |
| Broadband subscription | 96.1% | 89.3% (75.1–97.1%) n=32,322 | 91.9% (83.2–96.9%) n=972 |
| Housing cost burden (≥30% income) | 30.1% | 23.7% (10.6–40.0%) n=32,322 | 33.2% (20.1–47.6%) n=972 |
| Homeownership rate | 69.2% | 78.7% (51.7–94.0%) n=32,322 | 74.9% (47.3–90.5%) n=972 |
| Crowded housing (>1 per room) | 2.9% | 1.3% (0.0–6.3%) n=32,322 | 2.2% (0.2–6.7%) n=972 |
| Foreign-born population | 6.0% | 2.6% (0.0–18.6%) n=32,553 | 11.5% (2.3–39.9%) n=977 |
| Single-parent households | 49.5% | 53.6% (37.3–74.1%) n=32,087 | 52.8% (38.7–75.3%) n=968 |
| Population 65+ | 14.4% | 19.4% (10.8–33.6%) n=32,553 | 20.4% (11.9–40.6%) n=977 |
| Median age | 37.1 yr | 42.2 yr (33.0–56.3) n=32,292 | 43.0 yr (35.1–59.8) n=972 |
| Median household income | $74,708 | $72,070 ($46,039–$118,707) n=30,318 | $72,857 ($48,246–$112,420) n=946 |
| Median home value | $273,500 | $222,200 ($100,300–$579,820) n=30,049 | $334,600 ($168,120–$631,410) n=932 |
| Median gross rent | $1,399 | $1,021 ($677–$1,912) n=25,670 | $1,604 ($968–$2,218) n=901 |
Life expectancyNCHS / RWJF USALEEP · model-based
| Measure | Value | US median (p10–p90) | FL median (p10–p90) |
|---|---|---|---|
| Life expectancy at birth | 76.1 yr ± 0.54 | 78.9 yr (74.7–82.8) n=31,308 | 78.2 yr (74.6–82.2) n=894 |
About the ± — it’s this estimate’s give-or-take (statisticians call it the standard error). The true life expectancy for this ZIP most likely falls within 0.54 years of 76.1, and it’s very unlikely to be off by more than twice that.
More ZIPs to explore ▾More ZIPs to explore ▴
How these lists were built: they draw only from ZIPs that have a published Score, so ZIPs with too little data to score are not listed. Distance-based lists use distance between ZIP boundaries with no state filter, so an out-of-state ZIP can appear. Statistically similar means a close match across the nine Score domains, not a demographic match: the measure is the cosine similarity between two ZIPs’ domain scores, taken over the domains both ZIPs have data for and only where that overlap covers at least six of the nine — and where no ZIP clears that minimum-overlap floor, that list is left out rather than filled with a weak match. How distance is measured