ZIP 32408 (Panama City, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32408: 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 runs above Florida on deaths per 100 crashes, garbage-truck share and morning rush (6–10 am).
What stands out in Bay County: 1 in 14 crashes involve a garbage truck (58 since 2015), vs 3.8% across 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
Truck crashes peak in April (10.8% of the year) and are lowest in February (7.3%).
Winter months (Nov–Mar) carry 41.6% of truck crashes, vs 42.1% for 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
Within this area, US-98 had the most fatal crashes involving a large truck since 2015 (9). After it: CR-2300 (1), CR-2327 Transmitter Rd (1) and CR-389 (1).
Garbage & waste trucks
Garbage and refuse trucks were involved in 58 crashes, 6.8% of the total, against 3.8% across Florida.
Their busiest month is July, with 12% of garbage-truck crashes.
Deaths per 100 garbage-truck crashes: 1.8, vs 4.9 for all truck crashes.
Route planning tips for ZIP 32408 fleets
- Review driver schedules for April, the month with the most truck crashes.
- Where you can, review stops along US-98; it has the most fatal large-truck crashes nearby.
- 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.
- Use the free Route Planner to score your route and spot low bridges before drivers head out.
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 | 9 |
| CR-2300 | 1 |
| CR-2327 Transmitter Rd | 1 |
| CR-389 | 1 |
| CR-392 | 1 |
| Mu-State Ave | 1 |
| SR-30A | 1 |
| SR-389 | 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 32408 at a glance
| Population | 18,832 |
| Density | 848 per sq mi |
| Median household income | $80,822 |
| Median home value | $381,359 |
| Home ownership | 63% |
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 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 32408
How many truck crashes happen in ZIP 32408?
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 32408?
NHTSA data shows US-98 with 9 fatal large-truck crashes within 10 miles of ZIP 32408 since 2015, the highest of any road.
Which month has the most truck crashes in ZIP 32408?
April has the most truck crashes in Bay County, 10.8% of the yearly total.
How many garbage truck crashes are there in ZIP 32408?
58 crashes involving garbage or refuse trucks have been reported in Bay County since 2015, 6.8% of all truck crashes.
How do truck crashes in ZIP 32408 compare with Florida?
Per 100,000 residents, Bay County has 37.2 truck crashes a year; Florida has 37.4.
How do I plan a garbage truck route in ZIP 32408?
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.