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Claim or joinLegal name: HOA TECH ADVISORS LLC
HOA · PANAMA CITY, FL
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See also the Florida HOA Act (Fla. Stat. Ch. 720).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Relatively Moderate composite risk for this county · 68th percentile of FL counties
49 federal disaster declarations for this county, including 26 hurricanes, most recent Sep 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
1,535 flood policies in force in this ZIP (12 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 32404
2020 +4.3% · 2021 +8.5% · 2022 +19.3% · 2023 +3.9% · 2024 +5.7% · 2025 -0.7%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
No Structural Integrity Reserve Study on file yet.
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Most recent significant event in Bay County: Tornado, Oct 27, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Bay County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Public record · State structural-integrity filings, county parcel records
Homeowners insurance in ZIP 32404 · 2022
Average premium changed -20.4% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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State filing
On file as HOA TECH ADVISORS LLC
Principal address · Legal name
Filed as shown; displayed as HOA Tech Advisors LLC
Inferred from the name on file
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