Lower Grand LagoonFL
The town has 4,287 residents and lies in Florida.
Is Lower Grand Lagoon a good place to live?
Where it falls short is cost of living: the typical home is worth about $397K, 5.6 years of the Panama City metro’s $72K median household income. Lower Grand Lagoon’s overall grade of C+ puts it better than 38% of U.S. towns, 269th of 634 in Florida. It also trails on hazard risk (D−): FEMA rates its natural-hazard risk higher than 92% of U.S. communities, with hurricanes at the top. Its strongest is walkability: it is easier to get around on foot or by transit than 93% of U.S. towns. 27% of the land here is conserved, above both Florida’s towns (3%) and U.S. towns (4.3%). Saint Andrews State Park, at 454 acres with 2 miles of trail, is the biggest park or preserve. Only 65 of Florida’s 779 towns score higher on the outdoors. Nearly one in ten residents are under 18 locally, where Florida’s towns sit at 20% and U.S. towns at 22%.
Figures: home values, Zillow · incomes, Census ACS, 2020–24 · FEMA National Risk Index · USGS PAD-US · OpenStreetMap.
What makes Lower Grand Lagoon stand out
Where Lower Grand Lagoon beats most towns, and one thing worth knowing.
Lower Grand Lagoon has grown 13% from 2010 to 2020
3,881 counted in 2010 and 4,398 in 2020.
U.S. Census 2010 & 2020 counts
How Lower Grand Lagoon grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Lower Grand Lagoon is from typical.
Its grades run from A for walkability (better than 93% of comparable towns) to D− for hazard risk (better than 5%), so the C+ overall blends very different results.
How TownRatings grades towns →
Moving to Lower Grand Lagoon: who provides what
Lower Grand Lagoon is unincorporated, so Bay County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
The data
Ordered by what stands out in Lower Grand Lagoon.
Lower Grand Lagoon is a second-home town, has a longer frost-free season than nearly all U.S. towns and has less no health insurance than most of Florida.
nearly a quarter of the land in Lower Grand Lagoon is protected from building
Across 2 parks and preserves: 2.3 miles of trail. The concentration of trails for Lower Grand Lagoon comes to 0.9 miles per square mile.
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Saint Andrews State Park | 2 mi | 454 |
| 2. Richard Seltzer Park | 0.2 mi | 5 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Natural hazards: very high risk in Lower Grand Lagoon, mostly hurricanes
Expected losses in Lower Grand Lagoon break down as 75% from hurricanes and 10% from inland flooding. 322 flood insurance claims have been paid here since 1979.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Lower Grand Lagoon has 0.7 jobs for every working resident, so most commute out
Jobs based here grew from 937 in 2013 to 1,236.
Lower Grand Lagoon’s average trip to work stands at 24 minutes. For most workers, Lower Grand Lagoon is a place to come home to: only 9% work in town. Jobs based in Lower Grand Lagoon grew to 1,236 in 2023, 299 more than in 2013. In Lower Grand Lagoon, 15% of residents live below the poverty line.
| Lower Grand Lagoon | Florida towns | U.S. towns | |
|---|---|---|---|
| Work from home | 19% | 14% | 11% |
| Below the poverty line | 15% | 11% | 9.6% |
| Average trip to work | 24 minutes | 27 minutes | 25 minutes |
| Working residents who work in town | 8.7% | 5% | 8% |
Where working residents work
Census LEHD 2023 · ACS
Fewer children than Florida overall
57.1% of homes are seasonal or vacation homes, against 7.8% statewide, which helps explain the older median age.
Among adults 25 and older, 36% have a four-year degree or more, against 34% across Florida. Children under 18 are 9% of residents (20% statewide); people 65 and older are 30% of residents (21% statewide). In Lower Grand Lagoon, the age of the median resident is 55.8 years.
| Lower Grand Lagoon | Florida towns | U.S. towns | |
|---|---|---|---|
| Under 18 | 8.9% | 20% | 22% |
| Median age | 55.8 years | 42.4 years | 40.5 years |
| Aged 65 or older | 30% | 20% | 18% |
| Bachelor’s degree or more, 25+ | 36% | 31% | 29% |
Ages · share of residents
Education · adults 25 and older
Women and men · all residents
49% women, 51% men
That’s an even split within the survey’s margin of ±3.4 points. Across Florida, 50.9% of residents are women.
| Lower Grand Lagoon | FL | U.S. | |
|---|---|---|---|
| Under 10 | 5.8% | 10.3% | 11.6% |
| 10 to 17 | 3.1% | 9.2% | 10.3% |
| 18 to 24 | 5.6% | 8.1% | 9.1% |
| 25 to 34 | 9.2% | 12.7% | 13.7% |
| 35 to 44 | 9.4% | 12.7% | 13.2% |
| 45 to 54 | 15.7% | 12.3% | 12.2% |
| 55 to 64 | 21.2% | 13.4% | 12.7% |
| 65 to 74 | 19.2% | 11.7% | 10.2% |
| 75 and older | 10.8% | 9.6% | 7% |
| No diploma | 7.1% | 10.1% | 10.4% |
| High school | 21.1% | 27.2% | 26% |
| Some college | 22.6% | 18.5% | 19.1% |
| Associate’s | 13.3% | 10.1% | 8.8% |
| Bachelor’s | 20% | 21.3% | 21.6% |
| Graduate | 15.9% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 4,300, single groups can be off by several points
Mild winters and hot summers: that is Lower Grand Lagoon’s year
The Panama City 5n weather station, 9 miles away, records that the frost-free season runs about 301 days, longer than in 96% of U.S. towns. The Panama City 5n weather station, 9 miles away, records that about 67 days a year reach 90°: more than most of the country, but fewer than 84% of Florida places with climate records.
The July high in Lower Grand Lagoon is 90°F.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
On CDC estimates, Lower Grand Lagoon is healthier than 66% of U.S. towns
Its widest gap with Florida is no health insurance: 9.5% of those 18–64 have no health insurance, against 15.9% statewide.
Against the Florida average, Lower Grand Lagoon comes out ahead on 8 CDC measures out of 31, and behind on 3. Lower Grand Lagoon: nearly a quarter of adults get no exercise outside work.
| Lower Grand Lagoon | Florida towns | U.S. towns | |
|---|---|---|---|
| High blood pressure (CDC PLACES) | 40% | 37% | 35% |
| Depression (CDC PLACES) | 20% | 18% | 23% |
| No health insurance, 18–64 (CDC PLACES) | 9.5% | 14% | 8.1% |
| Get no exercise (CDC PLACES) | 23% | 25% | 25% |
| What stands out | Lower Grand Lagoon | FL |
|---|---|---|
| Fewer uninsured adults | 9.5% | 15.9% |
| Fewer older adults who have lost all their teeth | 9.1% | 12.7% |
| More adults who have had cancer | 11.3% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
The median home in Lower Grand Lagoon sells for about $460K
For Lower Grand Lagoon, the typical rent is $1,323 a month. Homes sold in Lower Grand Lagoon spent a median 94 days on the market. In Lower Grand Lagoon, the typical sale closed at 95.3% of the list price.
| Lower Grand Lagoon | Florida towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,323 a month | $1,647 a month | $1,185 a month |
| Households that own their home | 70% | 72% | 73% |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Everything we know about Lower Grand Lagoon
Colleges nearby
1 within 15 miles of the center of Lower Grand Lagoon
About 7 of every 100 Lower Grand Lagoon residents are enrolled in college, about the same as Florida.
91% of working residents leave Lower Grand Lagoon for work
Where Lower Grand Lagoon’s working residents go each day. Line width shows the share.
Census LEHD 2023
About Lower Grand Lagoon
Census-designated place in Florida, United States
Lower Grand Lagoon is a census-designated place (CDP) in Bay County, Florida, United States. The population was 4,398 at the 2020 census, up from 3,881 at the 2010 census. It is part of the Panama City–Panama City Beach, Florida Metropolitan Statistical Area. The area was heavily damaged by an EF3 tornado on January 9, 2024.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 2.7 sq mi
- Elevation
- 10 ft
- Area code
- 850
Lower Grand Lagoon’s neighbors
2 towns share a border with Lower Grand Lagoon.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Lower Grand Lagoon | #269 | C+ | D | — | B | B+ |
| Panama City Beach | #350 | C | D | — | B | B+ |
| Upper Grand Lagoon | #199 | B− | D | — | B | A− |
Lower Grand Lagoon, Panama City Beach and Upper Grand Lagoon report no FBI crime data of their own. Compare Lower Grand Lagoon with a neighbor →
Questions about Lower Grand Lagoon
Short answers, built from the data on this page.
Is Lower Grand Lagoon, FL a good place to live?
Lower Grand Lagoon grades C+ overall, better than 38% of U.S. towns and #269 of 634 in Florida. It grades B+ for health and B for schools. Hazard risk is its weak spot, with a D−.
Is Lower Grand Lagoon, FL expensive?
Yes. The typical home is worth about $397,000, 6% above the Florida typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D.