ZIP Code 32323 — undefined, FL Demographics & Data

ZIP code 32323 covers FL in Franklin County with a population of about 28.

It sits in telephone area codes 448, 850; U.S. House district FL-2; the PANAMA CITY media market.

FL reads as a military / base-oriented community on US5’s intent model (elevated veteran share (25.0%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 25.0%.

Housing tenure and rents show owner-occupancy near 0.0% (about 65.4 points below the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for FL as Relatively Low (composite score 46.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (90.5) and wildfire (77.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for FL show little to no average snow.

IRS migration statistics show a net inflow of about 1 for ZIP 32323 (FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.