ZIP 32407 (Panama City Beach, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32407: 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 runs above Florida on 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.
Across the years with complete reporting, that is roughly one truck crash every 5 days.
When crashes happen
The worst month is April with 10.8% of truck crashes; the quietest is February at 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.
Snow, slush or ice was on the road in 0.0% of truck crashes, compared with 0.1% in Florida.
Where crashes happen
US-98 leads within 10 miles of ZIP 32407 with 10 fatal crashes involving a large truck since 2015. It is followed by CR-2300 (1), CR-389 (1) and CR-392 (1).
Garbage & waste trucks
Garbage trucks account for 58 of the truck crashes here, or 6.8%, compared with 3.8% in Florida.
Their busiest month is July, with 12% of garbage-truck crashes.
Per 100 crashes, garbage trucks recorded 1.8 deaths compared with 4.9 for all trucks.
Route planning tips for ZIP 32407 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.
- Morning starts matter: 27.4% of truck crashes fall between 6 and 10 am, higher than Florida.
- Paste your stops into the free Route Planner to see the risk score, safer alternatives and low bridges.
About the data
Crash counts come from the FMCSA crash file (police-reported crashes involving trucks over 10,000 lb); fatal-crash locations come from NHTSA FARS. Text on this page states only what these numbers show.
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 | 10 |
| CR-2300 | 1 |
| CR-389 | 1 |
| CR-392 | 1 |
| Mu-State Ave | 1 |
| SR-30A | 1 |
| SR-392A | 1 |
| SR-79 | 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 32407 at a glance
| Population | 16,404 |
| Density | 425 per sq mi |
| Median household income | $80,831 |
| Median home value | $403,932 |
| Home ownership | 56% |
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 |
In the 1990s about 14 truck crashes a year were reported; in the 2020s, about 72. Reporting coverage also changed between these periods. 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 32407
How many truck accidents are there in ZIP 32407?
Since 2015, 851 crashes involving commercial trucks were reported in Bay County (420 injured, 41 killed).
What is the most dangerous road for trucks in ZIP 32407?
NHTSA data shows US-98 with 10 fatal large-truck crashes within 10 miles of ZIP 32407 since 2015, the highest of any road.
What is the worst month for truck crashes in ZIP 32407?
The worst month is April: 10.8% of truck crashes in Bay County happen then.
Are garbage truck crashes common in ZIP 32407?
58 crashes involving garbage or refuse trucks have been reported in Bay County since 2015, 6.8% of all truck crashes.
What is the truck crash rate in ZIP 32407 compared with Florida?
Bay County records 37.2 truck crashes per 100,000 residents a year, against 37.4 across Florida.
What is the best way to plan truck routes in ZIP 32407?
The free Route Planner takes your stops and returns a route risk score, safer alternatives and low-bridge warnings.
2026 is a partial year. Updated October 2026.