It's not entirely genetic although that can contribute. It can be caused by stressful events like divorce, loss of a job or other things even in people who don't have a family history of depression.

I think it's mostly, if not all, non-genetic.  Have you ever seen a baby who's depressive, extremely anxious or has OCD?  

I've struggled with panic disorder since I was 13 and I've learned a lot about it over the years.  I've learned that my upbringing is what caused me to have panic disorder, which is in the same family as depression and OCD.