ZIP 32409 (Panama City, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32409: 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).
The headline for Bay County: 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.
In complete reporting years that works out to about 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.
By time of day, 12–1 pm stands out 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
SR-77 leads within 10 miles of ZIP 32409 with 3 fatal crashes involving a large truck since 2015. It is followed by SR-20 (2), CR-2300 (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.
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 32409 fleets
- Review driver schedules for April, the month with the most truck crashes.
- Where you can, review stops along SR-77; it has the most fatal large-truck crashes nearby.
- Waste haulers: July is the peak month for garbage-truck crashes in Bay County.
- The morning rush (6–10 am) holds 27.4% of truck crashes here, more than Florida; adjust start times where you can.
- Check your own stops for crash hotspots and low bridges with the free Route Planner.
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) |
|---|---|
| SR-77 | 3 |
| SR-20 | 2 |
| CR-2300 | 1 |
| CR-389 | 1 |
| Mu-State Ave | 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 32409 at a glance
| Population | 11,113 |
| Density | 34 per sq mi |
| Median household income | $64,516 |
| Median home value | $270,925 |
| Home ownership | 92% |
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. 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 32409
How many truck accidents are there in ZIP 32409?
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 32409?
SR-77 had 3 fatal crashes involving a large truck within 10 miles of ZIP 32409 since 2015, more than any other road.
When do most truck crashes happen in ZIP 32409?
The worst month is April: 10.8% of truck crashes in Bay County happen then.
How many garbage truck accidents happen in ZIP 32409?
58 crashes involving garbage or refuse trucks have been reported in Bay County since 2015, 6.8% of all truck crashes.
How does ZIP 32409 compare with Florida for truck crashes?
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 32409?
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.