Florida Peninsula Insurance Company provides quality, affordable and highly customized homeowners insurance policies to residents in just about every city in Florida.  Below is a complete list of Florida cities where we have policies.  Click on the links to find out more information about your city.
Florida Peninsula Insurance has policies in just about every city in Florida Get A Free Quote

Panama City

Panama City is located in the northwest region of Florida’s panhandle and is situated just off of St. Andrews Bay and the Gulf of Mexico. Known for its relaxing environment and tropical weather conditions, the city is known as a popular tourist attraction. Panama City’s white sandy beaches draw individuals from all geographic locations to the sunny paradise that this beautiful Florida location offers.

Florida Peninsula is proud to provide exceptional homeowner insurance coverage to homeowners in Panama City, Florida. We invite you to complete a Florida Peninsula home insurance quote form to hear more. Our insurance specialists can consult with you and give you the insurance choices and coverage levels tailored to meet your Panama City home insurance needs and budget. Our homeowners’ insurance policies cover:

Panama City windstorm insurance has become increasingly important to its residents due to the active hurricane seasons of the past years.

Panama City home liability insurance is included with a Florida Peninsula policy and limits may be increased up to $400,000 with the purchase of a Platinum package.

Flood Insurance coverage can be included to your Panama City homeowner’s insurance policy. Flood water damage can be a very expensive home repair and destroy the valuable contents of your home. Federal law requires some locations that typically flood to have flood insurance, which isn't covered by most homeowner's policies. Contact a Florida Peninsula insurance professional for a quote on Panama City Florida flood insurance. Florida Peninsula flood endorsement policy replaces the need for a standalone flood policy and is designed to cover your personal possessions up to a selected coverage amount. For more information on Florida Peninsula Flood Endorsement .  

Other insurable Panama City home owner risks covered by Florida Peninsula Insurance Company include protection to screen enclosures, animal liability, and theft away from premises.

You can consult with a Florida Peninsula insurance professional to determine if you have adequate homeowners insurance to protect your Panama City home. Often, our home insurance policy quotes provide significant cost saving and/or provide an increase in policy coverage.
For more information or to get a quote now, please click here.

Learn about Panama City Homeowners Flood Insurance

A floodplain is the part of the land where water collects, pools, and flows during the course of natural events. Such areas are classified as Special Flood Hazard Areas (SFHA), and are located in a 100-year flood zone. Base Flood Elevation is the computed elevation to which floodwater is anticipated to rise during the base flood. Base Flood Elevations (BFEs) are shown on Flood Insurance Rate Maps (FIRMs) and on the flood profiles. The BFE is the regulatory requirement for the elevation or flood proofing of structures. The relationship between the BFE and a structure's elevation determines the flood insurance premium.

Panama City Flood Insurance Map: 

Flood hazard maps, also called “Flood Insurance Rate Maps” or “FIRMs,” are used to determine the flood risk to your home or business. You can protect your home and its contents with flood insurance through the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency through its Federal Insurance Administration.  The City of Panama City has participated in the NFIP since 1992. Not only is flooding one of the most common and costly disasters, flood risk can also change over time because of new building and development, weather patterns and other factors. 

Visit interactive Flood Map for Panama City and Bay County Florida

Federal Emergency Management Agency FEMA Website:


Police Department

Panama City Police Department
1209 E. 15th St.
Panama City, Fl 32405
(850) 872-3100


Fire Department

In serving the community the Panama City Fire Department is composed of the Administrative Division, Operations Division, Fire Training Division, Fire Prevention and Public Education Division, Logistics, including the Firefighters in the Operations Division the department’s total staffing 83 personnel to accomplish the single goal of protecting our community from the perils of fires and other emergencies.

Fire Chief: Alexander R. Baird

Main Administrative Office
600 E. Business Highway 98
Panama City, FL  32401
Ph: 850-872-3055



Bay Medical Center
615 North Bonita Avenue
Panama City, Fl
(850) 769-1511

Gulf Coast Medical Center
449 W. 23rd Street
Panama City, Fl
(850) 769-8341

Emerald Coast Urgent Care
11111 Panama City Beach Pkwy
Panama City, Fl
(877) 920-9576


Poison Control

National Poison Control Center
Serving the Panama City Area.
(800) 222-1222


Emergency Shelters

Panama City Emergency Shelter Information

Visit the City of Panama City public safety website for details.


Lifeguard Operations

Information is available on the Panama City Beach Parks and Recreation website. 


Recreation Centers

Martin Luther King Jr. Rec Center
705 East 14th Court
Panam City, Fl

Emerald Falls Family Rec Center
8602 Thomas Drive
Panama City, Fl

Carillon Beach
100 Carillon Market Street
Panama City Beach, Fl


Parks and Recreation


Panama City Mall
2150 Martin Luther King Junior Blvd.
Panama City, Fl
(850) 785-9587

Movie Theaters:

The Grand Theatre
500 Pier Park Dr.
Panama City Beach, Fl
(850) 233-4835

Regal Regency Stadium 11
1515 West 23rd St.
Panama City, Fl
(850) 763-4023

Carmike 10
4049 West 23rd St.
Panama City, Fl
(850) 913-9291


Chamber of Commerce

Bay County Chamber of Commerce
235 W 5th St, 
Panama City, FL 32401
Phone: (850) 785-5206

Panama City Beach Chamber of Commerce
309 Richard Jackson Blvd #101, 
Panama City Beach, FL 32407
Phone: (850) 235-1159


City Government

Maintenance Division

Drainage Ditches: (850) 872-3112
Installation of Street Lights: (850) 872-3005
Installation of Street Signs: (850) 872-3140
Pavement Markings: (850) 872-3005 or after hours at (850) 872-3112
Street Light Malfunction: (850) 872-3005
Street/ Sidewalk Repair: (850) 872-3112
Street Sweeping Request: (850) 872-3175
Traffic Signals: (850) 872-3175

Utilities Department

New Service Connections: (850) 872-3166
Meter Maintenance Department: (850) 872-3060
Sewer Line Blockage: (850) 872-3191

Solid Waste Division

Garbage Collection: (850) 872-3172

License Division:

9 Harrison Avenue
Panama City, Fl 32401
(850) 872-3033


Social Services Agencies

Department of Children & Families

2505 W 15th St
Panama City, FL 32401
Phone: (850) 872-7648

Family Service Agency 

114 E 9th St
Panama City, FL 32401
Phone: (850) 785-1721