As most have stated, the problem is probably your radiator being clogged. How old is it? You might want to pull it and have a radiator shop check it out, they're generally pretty up front with you, and will tell you if they can clean it or it needs to be replaced.
The good news is you have a later model car. Those of us that have the '64-66's have a smaller opening in the radiator support, which means more narrow radiators, which necessitates things like aluminum construction. I think my last radiator lasted just under 4 years, and had to be replaced because of salt damage to the fins on about 5% of the area. Point being here, that since you have a later model, you probably don't have to go as extream as an aluminum radiator, you just need a clean one.
Oh, guess I should answer your original question too. This is what temperatures meant to me (195* t-stat to help keep engine sludge from forming):
180-200: All is good
205: Hmm, better keep an eye on it
215: Something is wrong
220: look for a place to pull over
230: Pull over ASAP
240: Shut engine off and coast (which will cause your temp to go even higher)
250-260 Start worrying about engine damage.