I have been to Navarre and Topsail (East of Destin) twice each, this season and both uninhabited and secluded. No one on patrol but suggest covering up if any come by. No one around and naturist will enjoy the beauty
Sunburst resort north of Milton and Riveria in Pace are both nice clean, family friendly and AANR associated. Would recommend either to first timers. this is the buckle of the bible belt so no nude beaches....Also check out the Panama City Area. Bare Buns is one resort.
I used to go to an unofficial nude beach at Navarre. The nude part was past the fence on Eglin AF Base property. I once had a cop on an ATV come by and tell everyone to be sure and keep their clothes on.
About a month ago, I went to Riveria Naturist Resort near Pace. It was pretty nice, but smaller than most that I am use to.
Unfortunately, there is no official clothing-optional beach near Destin. The closest unofficial one is Johnson's Beach about two hours to the west (on Perdido Key). Nudity there is tolerated by the park officials as long as you are very discreet about it.
Some people risk going nude on the Air Force property on Okaloosa Island (across the bridge from Destin), but it's illegal there.
There are a couple of nudist resorts near Pace, FL (also about 2 hours away).