Does Cove flood?
Cove, Panama City, FL · ZIP code 32401: the ZIP code on 136 of the 139 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Cove have filed flood claims. About 28% of Cove’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 139 claims from the Census block groups that cover Cove, from 1982 through 2021. 81 of them received a payment, totaling $2,422,003 (not adjusted for inflation). The busiest years were 2018 (59 claims), 1995 (48 claims), 1999 (6 claims).
What this page counts as Cove
We could not find an openly licensed official boundary for Cove, so this page uses a census-based area. For this page, Cove means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Cove (feature 280905), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Cove. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Cove
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Cove
The named streets in Cove, longest first, with how much of each street’s length inside Cove lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Cove; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 35 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Bunkers Cove Rd | 1.7 mi | 6.6% | X (unshaded, minimal) (87%) |
| Cherry St | 1.4 mi | 7.5% | X (unshaded, minimal) (85%) |
| E 2nd Ct | 1.1 mi | 4.1% | X (unshaded, minimal) (88%) |
| S Mac Arthur Ave | 5,170 ft | 0.0% | X (unshaded, minimal) (100%) |
| Massalina Dr | 4,950 ft | 43% | AE (43%) |
| Dewitt St | 4,830 ft | 13% | X (unshaded, minimal) (80%) |
| S Palo Alto Ave | 4,490 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Bonita Ave | 4,260 ft | 0.0% | X (unshaded, minimal) (96%) |
| N Cove Blvd | 4,200 ft | 0.0% | X (unshaded, minimal) (100%) |
| N Mac Arthur Ave | 3,990 ft | 0.0% | X (unshaded, minimal) (100%) |
| Hamilton Ave | 3,930 ft | 3.3% | X (unshaded, minimal) (90%) |
| Tyndall Dr | 3,880 ft | 31% | X (unshaded, minimal) (60%) |
| E 4th St | 3,760 ft | 7.9% | X (unshaded, minimal) (89%) |
| E 3rd St | 3,700 ft | 4.7% | X (unshaded, minimal) (90%) |
| E 2nd St | 3,170 ft | 9.8% | X (unshaded, minimal) (89%) |
| N Palo Alto Ave | 2,940 ft | 0.0% | X (unshaded, minimal) (100%) |
| S Cove Terrace Dr | 2,830 ft | 0.0% | X (unshaded, minimal) (100%) |
| Allen Ave | 2,830 ft | 0.0% | X (unshaded, minimal) (100%) |
| Linda Ave | 2,730 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cove Pointe Dr | 2,700 ft | 0.0% | X (unshaded, minimal) (100%) |
| N Bonita Ave | 2,170 ft | 0.0% | X (unshaded, minimal) (100%) |
| E 3rd Ct | 2,140 ft | 2.6% | X (unshaded, minimal) (93%) |
| Wilson Ave | 2,110 ft | 0.0% | X (unshaded, minimal) (98%) |
| E Beach Dr | 2,000 ft | 100% | AE (89%) |
| Harris Ave | 1,840 ft | 0.0% | X (unshaded, minimal) (96%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Cove
Share of Cove’s mapped area (about 6.295 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 7 to 12 feet. Effective date of the FIRM panel(s) covering it (12005C0341J, 12005C0342J, 12005C0343J, 12005C0344J): October 24, 2024.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 46% |
| Open water | 24% |
| AE | 16% |
| VE | 11% |
| X (shaded, 0.2% annual chance) | 2.5% |
| A | 0.0% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Cove. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 3 | $37,292 |
| 1990s | 58 | $1,396,822 |
| 2000s | 7 | $21,656 |
| 2010s | 66 | $910,265 |
| 2020s | 5 | $55,966 |
By year of loss
Named flood events with the most claims
- Hurricane Michael: 58 claims
- Hurricane Opal: 48 claims
- Hurricane Dennis: 2 claims
- Hurricane Ivan: 2 claims
- Hurricane Sally: 2 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- X/B/C (moderate or minimal): 77
- A/AE/AH/AO (high risk): 59
- V/VE (coastal high hazard): 3
How much is flood insurance in Cove?
The typical National Flood Insurance Program policy on single-family homes in Cove costs $1,046 a year: the median of 137 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $626 and $1,301. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
Insurance agency or real estate agent? Sponsor this page.
Before you rent or buy in Cove
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Cove
Flood maps are only one part of choosing a neighborhood. To compare Cove with other Panama City neighborhoods on more than flooding, see Panama City on StrollPlace.
Buyer and renter FAQ
Does Cove flood?
Yes. Insured properties in and around Cove have filed flood claims. About 28% of Cove’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 139 claims from the Census block groups that cover Cove, from 1982 through 2021. 81 of them received a payment, totaling $2,422,003 (not adjusted for inflation). The busiest years were 2018 (59 claims), 1995 (48 claims), 1999 (6 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Cove in a flood zone?
About 28% of Cove’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 46%; Open water 24%; AE 16%; VE 11%; X (shaded, 0.2% annual chance) 2.5%; A 0.0%. The FIRM panel(s) covering it took effect October 24, 2024.
Which streets in Cove are in a high-risk flood zone?
Most of the length of E Beach Dr lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Bunkers Cove Rd, Cherry St, E 2nd Ct, S Mac Arthur Ave, S Palo Alto Ave, S Bonita Ave, N Cove Blvd and N Mac Arthur Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Cove in?
Cove is in Panama City, FL. ZIP code 32401: the ZIP code on 136 of the 139 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Cove?
The typical NFIP flood insurance policy on single-family homes in Cove cost $1,046 a year: the median of 137 policies that started between August 1, 2025 and July 31, 2026. Half cost between $626 and $1,301. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Bay County (county code 12005), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 120050019002, 120050019003, 120050019004, 120050019001. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.