ZIP 32401 (Panama City, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32401: commercial truck and garbage truck crashes here and in Bay County, dangerous roads, seasonality and route safety data for fleets.
Where fatal truck crashes happened
Risk scorecard
Key findings
Snapshot
Crashes by month
Garbage trucks vs all trucks
1.8 deaths per 100 garbage-truck crashes vs 4.9 for all trucks.
Deadliest roads
How Bay County compares with Florida
Bay County against Florida and the US, 2015–2025 (years with complete crash reporting). Per-resident rates make big and small places comparable.
Where Bay County stands out
Full comparison
| Measure (2015–2025) | Bay County | Florida | United States | vs state |
|---|---|---|---|---|
| Crashes per 100k residents / yr | 37.2 | 37.4 | 49.7 | same |
| Deaths per 100 crashes | 4.9 | 4.1 | 3.4 | 1.2× the state |
| Injuries per crash | 0.50 | 0.51 | 0.49 | same |
| Garbage-truck share | 7.0% | 3.8% | 2.3% | 1.8× the state |
| On snow, slush or ice | 0.0% | 0.1% | 6.2% | 100% below the state |
| Morning rush (6–10 am) | 27.4% | 25.2% | 23.7% | 1.1× the state |
| In rain, sleet or snow | 7.3% | 8.9% | 13.8% | 18% below the state |
| Winter months (Nov–Mar) | 41.6% | 42.1% | 41.9% | same |
| After dark | 17.6% | 24.2% | 24.8% | 27% below the state |
Bay County has lower values than Florida for on snow, slush or ice, in rain, sleet or snow and after dark. It stands out for higher deaths per 100 crashes, garbage-truck share and morning rush (6–10 am).
Bay County at a glance: 1 in 14 of truck crashes here involve garbage trucks: 7.0%, vs 3.8% in Florida.
Overview
Police reported 851 crashes involving commercial trucks in Bay County since 2015: 420 people were injured and 41 were killed.
That averages about one truck crash every 5 days in fully reported years.
When crashes happen
Truck crashes peak in April (10.8% of the year) and are lowest in February (7.3%).
The five winter months (November to March) hold 41.6% of truck crashes, against 42.1% across Florida.
More truck crashes happen at 12–1 pm than at any other hour (9.3%).
0.0% of truck crashes here happened on snow, slush or ice, against 0.1% across Florida.
Where crashes happen
The deadliest road for trucks within 10 miles of ZIP 32401 is US-98, with 8 fatal large-truck crashes since 2015. It is followed by US-231 (2), CR-2300 (1) and CR-2315 (1).
Garbage & waste trucks
Garbage trucks account for 58 of the truck crashes here, or 6.8%, compared with 3.8% in Florida.
Garbage-truck crashes peak in July (12% of them).
Deaths per 100 garbage-truck crashes: 1.8, vs 4.9 for all truck crashes.
Route planning tips for ZIP 32401 fleets
- Review driver schedules for April, the month with the most truck crashes.
- Look at alternatives to US-98 at busy times: it leads this area in fatal truck crashes.
- Garbage-truck crashes here peak in July; review collection routes for that month.
- 27.4% of truck crashes happen between 6 and 10 am, above Florida; consider earlier or later starts where possible.
- Paste your stops into the free Route Planner to see the risk score, safer alternatives and low bridges.
About the data
Sources: the FMCSA crash file for all reported truck crashes and NHTSA FARS for fatal crashes with a large truck. Every statement here comes straight from those numbers.
Truck crashes by year: all trucks vs garbage trucks
Seasonality: when trucks crash in Bay County
By hour of day
Most dangerous roads for trucks
| Road | Fatal truck crashes since 2015 (within 10 miles) |
|---|---|
| US-98 | 8 |
| US-231 | 2 |
| CR-2300 | 1 |
| CR-2315 | 1 |
| CR-2327 Transmitter Rd | 1 |
| CR-389 | 1 |
| CR-392 | 1 |
| Mu-State Ave | 1 |
| SR-30A | 1 |
| SR-389 | 1 |
Roads named most in all truck crash reports
| Road | Truck crashes since 2015 (Bay County) |
|---|---|
| US-98 | 56 |
| State Road 77 | 54 |
| US-231 | 46 |
| SR-77 | 34 |
| U.S. Highway 98 | 28 |
| State Road 20 | 24 |
| SR-231 | 24 |
| State Road 75 | 24 |
ZIP 32401 at a glance
| Population | 18,947 |
| Density | 586 per sq mi |
| Median household income | $52,523 |
| Median home value | $227,495 |
| Home ownership | 60% |
Waste facilities and haulers nearby
Historical data: truck crashes in Bay County since the 1990s
Combines the FMCSA crash file (all reported truck crashes, real coverage from about 1990) with NHTSA FARS (fatal crashes involving a large truck, 1982–2024).
| Decade | Truck crashes / yr | Change | Fatal crashes / yr (FARS) |
|---|---|---|---|
| 1990s | 14 | — | 2.3 |
| 2000s | 31 | +120% | 1.3 |
| 2010s | 58 | +85% | 1.9 |
| 2020s | 72 | +25% | 3.4 |
From the 1990s to the 2020s, yearly reported truck crashes went from 14 to 72. Some of the change may reflect how crashes were reported. Fatal crashes involving a large truck averaged 2.5 a year in 2016–19 and 3.4 a year in 2020–24.
Nearby ZIP codes
Questions fleets ask about ZIP 32401
How many truck crashes happen in ZIP 32401?
Bay County has had 851 reported truck crashes since 2015, injuring 420 people and killing 41.
What is the most dangerous road for trucks in ZIP 32401?
Since 2015, US-98 has had the most fatal large-truck crashes within 10 miles of ZIP 32401: 8.
Which month has the most truck crashes in ZIP 32401?
Truck crashes in Bay County peak in April, with 10.8% of the year's crashes.
How many garbage truck crashes are there in ZIP 32401?
Since 2015, Bay County has reported 58 garbage-truck crashes, or 6.8% of its truck crashes.
How do truck crashes in ZIP 32401 compare with Florida?
The yearly rate is 37.2 truck crashes per 100,000 residents in Bay County, vs 37.4 for Florida.
How do I plan a garbage truck route in ZIP 32401?
Paste your stops into the free CurbWaste Route Planner: it scores your route against fatal-crash locations, suggests safer alternatives and flags low bridges.
2026 is a partial year. Updated October 2026.