ZIP 32403 housing market
Data through Jan 2026
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Expected Disaster Loss
$358
Dec 2025
What this means
- Disaster risk. FEMA expects about $358 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from hurricanes. Check insurance costs before buying.
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Other ZIP codes in Bay County, FL
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Panama City, FL 32404 | $286.2K | +0.9% | 82 |
| Panama City, FL 32405 | $298.8K | +1.1% | 94 |
| Lynn Haven, FL 32444 | $324.4K | +0.4% | 82 |
| Panama City, FL 32401 | $217.2K | +1.3% | 98 |
| Panama City Beach, FL 32408 | $369.7K | −2.0% | 99 |
| Panama City Beach, FL 32407 | $395.4K | −2.6% | 98 |
| Panama City Beach, FL 32413 | $468.9K | −1.1% | 99 |
| Southport, FL 32409 | $373.9K | +1.6% | 83 |
| Youngstown, FL 32466 | $272.9K | +2.1% | 50 |
| Fountain, FL 32438 | $163.6K | +4.9% | 27 |
| ZIP 32410 | – | – | 50 |