ZIP 32413 (Panama City Beach, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32413: 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).
The headline for 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.
That averages about one truck crash every 5 days in fully reported years.
When crashes happen
April has the most truck crashes, 10.8% of the yearly total, while February has the fewest (7.3%).
The five winter months (November to March) hold 41.6% of truck crashes, against 42.1% across Florida.
By time of day, 12–1 pm stands out with 9.3% of truck crashes.
Road surface: 0.0% of truck crashes were on snow, slush or ice (Florida: 0.1%).
Where crashes happen
Within this area, US-98 had the most fatal crashes involving a large truck since 2015 (5). After it: SR-79 (4), Landfill Rd (1) and SR-20 (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).
They recorded 1.8 deaths per 100 crashes, against 4.9 for all trucks.
Route planning tips for ZIP 32413 fleets
- Plan April schedules with more margin; it is the worst month for truck crashes in Bay County.
- 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.
- 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
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 | 5 |
| SR-79 | 4 |
| Landfill Rd | 1 |
| SR-20 | 1 |
| SR-392A | 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 32413 at a glance
| Population | 15,453 |
| Density | 55 per sq mi |
| Median household income | $80,039 |
| Median home value | $439,602 |
| Home ownership | 70% |
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 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 32413
How common are truck crashes in ZIP 32413?
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 32413?
Since 2015, US-98 has had the most fatal large-truck crashes within 10 miles of ZIP 32413: 5.
What is the worst month for truck crashes in ZIP 32413?
Truck crashes in Bay County peak in April, with 10.8% of the year's crashes.
How many garbage truck accidents happen in ZIP 32413?
Since 2015, Bay County has reported 58 garbage-truck crashes, or 6.8% of its truck crashes.
How does ZIP 32413 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 do I plan a garbage truck route in ZIP 32413?
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.