ZIP 32548 (Fort Walton Beach, FL) truck route planning & crash data
Plan safer truck routes around ZIP 32548: commercial truck and garbage truck crashes here and in Okaloosa 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
0.0 deaths per 100 garbage-truck crashes vs 4.1 for all trucks.
Deadliest roads
How Okaloosa County compares with Florida
Okaloosa County against Florida and the US, 2015–2025 (years with complete crash reporting). Per-resident rates make big and small places comparable.
Where Okaloosa County stands out
Full comparison
| Measure (2015–2025) | Okaloosa County | Florida | United States | vs state |
|---|---|---|---|---|
| Crashes per 100k residents / yr | 23.3 | 37.4 | 49.7 | 38% below the state |
| Deaths per 100 crashes | 4.1 | 4.1 | 3.4 | same |
| Injuries per crash | 0.56 | 0.51 | 0.49 | 1.1× the state |
| Garbage-truck share | 4.6% | 3.8% | 2.3% | 1.2× the state |
| On snow, slush or ice | 0.4% | 0.1% | 6.2% | 4.4× the state |
| Morning rush (6–10 am) | 22.0% | 25.2% | 23.7% | 13% below the state |
| In rain, sleet or snow | 10.3% | 8.9% | 13.8% | 1.2× the state |
| Winter months (Nov–Mar) | 40.2% | 42.1% | 41.9% | same |
| After dark | 22.2% | 24.2% | 24.8% | 8% below the state |
Okaloosa County sits below Florida on crashes per 100k residents / yr, morning rush (6–10 am) and after dark. It runs above Florida on injuries per crash, garbage-truck share and on snow, slush or ice.
What stands out in Okaloosa County: 0.4% on snowy, slushy or icy roads, against 0.1% across Florida.
Overview
Police reported 605 crashes involving commercial trucks in Okaloosa County since 2015: 341 people were injured and 23 were killed.
Across the years with complete reporting, that is roughly one truck crash every 7 days.
When crashes happen
Truck crashes peak in April (9.4% of the year) and are lowest in November (6.8%).
Winter months (Nov–Mar) carry 40.2% of truck crashes, vs 42.1% for Florida.
By time of day, 12–1 pm stands out with 8.9% of truck crashes.
Road surface: 0.4% of truck crashes were on snow, slush or ice (Florida: 0.1%).
Where crashes happen
The deadliest road for trucks within 10 miles of ZIP 32548 is US-98, with 4 fatal large-truck crashes since 2015. After it: Denton Blvd Nw (1) and SR-189 (1).
Garbage & waste trucks
27 crashes involved a garbage or refuse truck, a 4.5% share (Florida: 3.8%).
Their busiest month is March, with 15% of garbage-truck crashes.
Per 100 crashes, garbage trucks recorded 0.0 deaths compared with 4.1 for all trucks.
Route planning tips for ZIP 32548 fleets
- Review driver schedules for April, the month with the most truck crashes.
- 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 March schedules: garbage-truck crashes peak then.
- Icy and snowy roads show up in 0.4% of truck crashes here, more than Florida; schedule winter checks early.
- 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 Okaloosa County
By hour of day
Most dangerous roads for trucks
| Road | Fatal truck crashes since 2015 (within 10 miles) |
|---|---|
| US-98 | 4 |
| Denton Blvd Nw | 1 |
| SR-189 | 1 |
Roads named most in all truck crash reports
| Road | Truck crashes since 2015 (Okaloosa County) |
|---|---|
| I-10 | 54 |
| State Road 85 | 39 |
| Interstate 10 (State Road 8) | 37 |
| US-98 | 24 |
| SR-85 | 16 |
| US-90 | 13 |
| State Road 189 | 12 |
| State Road 293 | 9 |
ZIP 32548 at a glance
| Population | 23,774 |
| Density | 760 per sq mi |
| Median household income | $65,342 |
| Median home value | $318,012 |
| Home ownership | 58% |
Waste facilities and haulers nearby
Historical data: truck crashes in Okaloosa 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 | 20 | — | 1.8 |
| 2000s | 30 | +49% | 2.1 |
| 2010s | 42 | +40% | 2.2 |
| 2020s | 54 | +29% | 1.8 |
In the 1990s about 20 truck crashes a year were reported; in the 2020s, about 54. Reporting coverage also changed between these periods. Fatal crashes involving a large truck averaged 2.8 a year in 2016–19 and 1.8 a year in 2020–24.
Nearby ZIP codes
Questions fleets ask about ZIP 32548
How many truck accidents are there in ZIP 32548?
Since 2015, 605 crashes involving commercial trucks were reported in Okaloosa County (341 injured, 23 killed).
Where do fatal truck crashes happen most in ZIP 32548?
Since 2015, US-98 has had the most fatal large-truck crashes within 10 miles of ZIP 32548: 4.
Which month has the most truck crashes in ZIP 32548?
Truck crashes in Okaloosa County peak in April, with 9.4% of the year's crashes.
How many garbage truck crashes are there in ZIP 32548?
27 crashes involving garbage or refuse trucks have been reported in Okaloosa County since 2015, 4.5% of all truck crashes.
What is the truck crash rate in ZIP 32548 compared with Florida?
The yearly rate is 23.3 truck crashes per 100,000 residents in Okaloosa County, vs 37.4 for Florida.
What is the best way to plan truck routes in ZIP 32548?
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.