32413 -- U.S. ZIP code Municipality (1990): PANAMA CITY BEAC, Florida All ZIPs for this municipality (1990): 32407 32408 32413 Population (2000): 9178 Housing Units (2000): 9626 Land area (2000): 124.684748 sq. miles (322.932001 sq. km) Water area (2000): 1.110396 sq. miles (2.875913 sq. km) Total area (2000): 125.795144 sq. miles (325.807914 sq. km) Located within: Florida (FL) Location: 30.252616 N, 85.904137 W