Hurricane Opal made landfall on Santa Rosa Island, in Santa Rosa County, Florida, near Navarre Beach on October 4, 1995. Fifteen counties in the Florida Panhandle were declared Federal disaster areas. The Federal Emergency Management Agency (FEMA) deployed a Building Performance Assessment Team (BPAT) whose mission was to evaluate structural damage and recommend mitigation measures that will enhance the performance of buildings in future storms. The BPAT's observations focused on the performance of buildings during the hurricane, including both successes and failures. These observations and the BPAT's recommendations are documented in this report. The BPAT's observations regarding flood and wind damage caused by the storm are described in detail, and recommendations are presented regarding design and construction of new structures and substantial improvements to existing structures; permitting, plan review, and inspection; construction materials; and repair and retrofit of damaged structures.