ZIP 32405 (Panama City, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32405: 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 sits below Florida on 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).
What stands out in Bay County: 1 in 14 of truck crashes here involve garbage trucks: 7.0%, vs 3.8% in Florida.
Overview
Since 2015, 851 crashes involving commercial trucks have been reported in Bay County. They injured 420 people and killed 41.
In complete reporting years that works out to about one truck crash every 5 days.
When crashes happen
April has the most truck crashes, 10.8% of the yearly total, while February has the fewest (7.3%).
November through March accounts for 41.6% of truck crashes here, compared with 42.1% in Florida.
The busiest hour is 12–1 pm, 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 32405 is US-98, with 9 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).
Per 100 crashes, garbage trucks recorded 1.8 deaths compared with 4.9 for all trucks.
Route planning tips for ZIP 32405 fleets
- Build extra time into April routes: it has the most truck crashes here.
- Check whether your routes use US-98, the road with the most fatal truck crashes in this area.
- For residential and commercial waste routes, look again at July schedules: garbage-truck crashes peak then.
- 27.4% of truck crashes happen between 6 and 10 am, above Florida; consider earlier or later starts where possible.
- 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-98 | 9 |
| 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-388 | 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 32405 at a glance
| Population | 29,984 |
| Density | 616 per sq mi |
| Median household income | $73,373 |
| Median home value | $279,580 |
| 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 |
Reported truck crashes averaged 14 a year in the 1990s and 72 a year in the 2020s. Reporting practices changed over time, so part of any change can come from reporting. Fatal large-truck crashes: 2.5 a year in 2016–19, 3.4 a year in 2020–24.
Nearby ZIP codes
Questions fleets ask about ZIP 32405
How many truck crashes happen in ZIP 32405?
Bay County has had 851 reported truck crashes since 2015, injuring 420 people and killing 41.
Which road has the most fatal truck crashes in ZIP 32405?
US-98 had 9 fatal crashes involving a large truck within 10 miles of ZIP 32405 since 2015, more than any other road.
What is the worst month for truck crashes in ZIP 32405?
The worst month is April: 10.8% of truck crashes in Bay County happen then.
How many garbage truck crashes are there in ZIP 32405?
Since 2015, Bay County has reported 58 garbage-truck crashes, or 6.8% of its truck crashes.
How do truck crashes in ZIP 32405 compare with Florida?
Per 100,000 residents, Bay County has 37.2 truck crashes a year; Florida has 37.4.
How can I plan a safer truck route in ZIP 32405?
Use the free Route Planner: enter your stops to get a risk score, safer alternatives and the low bridges on your route.
2026 is a partial year. Updated October 2026.