So, you’re looking at the pcb weather 10 day forecast and wondering if you should pack a swimsuit or a parka. Honestly, Panama City Beach in mid-January is a bit of a mood. One minute you’re standing on the sugar-white sand with the sun hitting your face, and the next, a gust of wind off the Gulf has you wishing you’d brought that heavy hoodie you left on the kitchen counter.
Right now, as of Saturday, January 17, 2026, we’re looking at a daytime high of 63°F. That sounds decent, right? But here’s the kicker: there’s a 65% chance of light rain throughout the day. If you’re heading out tonight, keep your jacket close because the temperature is going to tank to 41°F. That’s the classic Florida Panhandle "winter" for you—mild enough to tease you, then cold enough to remind you that January doesn’t care about your vacation photos.
The Reality of the Next 10 Days in PCB
If you’re planning your week around the pcb weather 10 day forecast, you’ve gotta embrace the volatility. Tomorrow, Sunday, January 18, is going to be gorgeous but crisp. We’re talking full sun and a high of 48°F. Yeah, you read that right. It’s actually going to be colder during the day on Sunday than it was on Saturday night. The wind is shifting to the northwest at about 14 mph, so that "real feel" is going to be bitey.
Here is the vibe for the upcoming week based on the current numbers:
Monday and Tuesday (Jan 19-20) are holding steady. We’re looking at highs of 53°F and lows right around 40°F. It’s perfect walking weather. If you’ve ever wanted to hike through St. Andrews State Park without sweating through your shirt, this is your window. The humidity is dropping to around 44-46%, which makes the air feel super clean, if a bit dry.
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By Wednesday, January 21, things start to shift. The clouds move in, and the wind pulls from the east. We’ll see a slight bump to 55°F. It’s basically the calm before the next little system rolls through.
Watch Out for Thursday’s Rain
Thursday, January 22, is the day you’ll want to book those indoor activities. Maybe hit up WonderWorks or go see a movie at Pier Park. There is a 75% chance of rain with a high of 60°F. The humidity is going to spike to 90%, so it’ll feel a bit "muggy-cold," which is a very specific Southern sensation that most people find kinda gross.
The good news? The back half of the 10-day outlook actually looks pretty promising. Friday through Sunday (Jan 23-25) sees the mercury climbing back into the mid-60s. Saturday, January 24, is looking like the pick of the litter with a high of 65°F and only a 0% chance of rain during the day.
Is the Water Even Usable?
I get asked this all the time. "Can I swim in PCB in January?" Look, the sea temperature is hovering around 64°F. To a local, that is basically liquid ice. Unless you’re a "Polar Plunge" enthusiast or you’re wearing a solid wetsuit, you aren't going to be lounging in the Gulf. Most surfers out there right now are rocking at least a spring suit and maybe some neoprene boots if they’re planning to stay out for more than twenty minutes.
What to Actually Pack
Forget what you think Florida weather looks like. For this pcb weather 10 day forecast, you need layers.
- A windbreaker or light puffer: Essential for those 14 mph northwest winds on the beach.
- Hoodies: You’ll wear these more than anything else.
- Jeans and leggings: Shorts are a gamble this week, especially with lows hitting 40°F.
- Rain gear: With 75% precipitation chances on some days, an umbrella is just common sense.
The UV index is staying low—mostly between 1 and 3. You won't burn in ten minutes like you would in July, but if you’re out all day on those sunny Monday/Tuesday slots, still slap on some SPF. The reflection off that white sand is no joke, even when it’s 50 degrees out.
Basically, the next ten days are a mixed bag. You’ve got clear, sunny "winter-light" days mixed with soggy, overcast afternoons. It’s not "lying on a towel" weather, but it’s definitely "coffee on the balcony with a blanket" weather.
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Next Steps for Your Trip:
- Check the wind direction before heading to the beach; a north wind makes the water look flat and emerald but feels much colder.
- Plan your outdoor excursions (Camp Helen, conservation parks) for Monday or Tuesday when the sun is out.
- Keep an eye on Thursday’s rain totals if you’re planning to drive, as drainage on Front Beach Road can be a bit slow during heavy downpours.