ZIP 32404 (Panama City, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32404: 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
Bay County has recorded 851 truck crashes since 2015, with 420 people injured and 41 killed.
That averages about one truck crash every 5 days in fully reported years.
When crashes happen
The worst month is April with 10.8% of truck crashes; the quietest is February at 7.3%.
Winter months (Nov–Mar) carry 41.6% of truck crashes, vs 42.1% for Florida.
By time of day, 12–1 pm stands out with 9.3% of truck crashes.
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 32404 is US-231, with 3 fatal large-truck crashes since 2015. After it: CR-2315 (1), CR-2327 Transmitter Rd (1) and CR-389 (1).
Garbage & waste trucks
Garbage trucks account for 58 of the truck crashes here, or 6.8%, compared with 3.8% in Florida.
The most garbage-truck crashes happen in July (12%).
They recorded 1.8 deaths per 100 crashes, against 4.9 for all trucks.
Route planning tips for ZIP 32404 fleets
- Review driver schedules for April, the month with the most truck crashes.
- Check whether your routes use US-231, the road with the most fatal truck crashes in this area.
- Garbage-truck crashes here peak in July; review collection routes for that month.
- Morning starts matter: 27.4% of truck crashes fall between 6 and 10 am, higher than Florida.
- Check your own stops for crash hotspots and low bridges with the free Route Planner.
About the data
This report uses the FMCSA crash file (reported crashes of trucks over 10,000 lb) and NHTSA FARS (fatal crashes). It reports the numbers without guessing at reasons.
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-231 | 3 |
| CR-2315 | 1 |
| CR-2327 Transmitter Rd | 1 |
| CR-389 | 1 |
| Mu-State Ave | 1 |
| SR-389 | 1 |
| US-98 | 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 32404 at a glance
| Population | 42,514 |
| Density | 122 per sq mi |
| Median household income | $74,708 |
| Median home value | $268,125 |
| Home ownership | 69% |
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. NHTSA counts 2.5 fatal large-truck crashes a year in 2016–19 and 3.4 a year in 2020–24.
Nearby ZIP codes
Questions fleets ask about ZIP 32404
How many truck crashes happen in ZIP 32404?
851 truck crashes have been reported in Bay County since 2015, with 41 deaths and 420 injuries.
Where do fatal truck crashes happen most in ZIP 32404?
US-231 had 3 fatal crashes involving a large truck within 10 miles of ZIP 32404 since 2015, more than any other road.
Which month has the most truck crashes in ZIP 32404?
The worst month is April: 10.8% of truck crashes in Bay County happen then.
Are garbage truck crashes common in ZIP 32404?
58 crashes involving garbage or refuse trucks have been reported in Bay County since 2015, 6.8% of all truck crashes.
How does ZIP 32404 compare with Florida for truck crashes?
The yearly rate is 37.2 truck crashes per 100,000 residents in Bay County, vs 37.4 for Florida.
How can I plan a safer truck route in ZIP 32404?
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.