At a glance
Palmetto bug is not a scientific name. No such species exists. The term describes large cockroaches found outdoors in Florida, and it most often refers to the American cockroach.
UF/IFAS identifies the American cockroach as the most common large cockroach in Florida, with populations concentrated in mulch, palm tree crowns, sewer systems, and outdoor areas holding consistent moisture. This is the species most Floridians mean when they say palmetto bug.
Two other species also get the nickname depending on where in Florida you are: the smokybrown cockroach and the Florida woods cockroach. All three live outdoors and none of them establish breeding populations inside homes.
UF/IFAS documents the German cockroach as the only Florida species that builds large, self-sustaining indoor populations. Nobody calls a German cockroach a palmetto bug, and that is the actual meaningful difference. The nickname separates “wandered in from outside” from “lives in your walls.”

Two inches or longer, reddish-brown, with a pale yellowish figure-eight pattern behind the head. Full wings, capable of short flights when startled. Lives in mulch beds, palm crowns, storm drains, and sewer systems. Enters homes through door gaps, floor drains, and plumbing penetrations. This is the species you are most likely dealing with in Boca Raton, Boynton Beach, Lantana, Port St. Lucie, or Stuart.

About an inch and a quarter, uniformly dark mahogany with no pattern behind the head. Strong flier, heavily drawn to light. Lives in tree canopy, gutters, and soffit voids rather than at ground level. Common in neighborhoods with mature oak and palm cover.

Roughly an inch and a half, dark reddish-brown to black, noticeably flattened, with short wings that leave the abdomen exposed. Moves slowly. Releases a foul defensive fluid when threatened, earning it the nickname "stinking cockroach." Lives under logs, in leaf litter, and in woodpiles.
For the full species breakdown including the indoor roaches, our Florida cockroach identification guide covers all five common species.

Anything over an inch and a half is an outdoor species and qualifies as a palmetto bug. German cockroaches top out around half an inch.

Two dark parallel stripes running lengthwise behind the head means a small indoor-type species, not a palmetto bug.

Garage, patio, laundry room, or near a floor drain, seen once or twice, points to a palmetto bug. Kitchen or bathroom, seen repeatedly over several days, points to German cockroaches.

Palmetto bugs are often drawn toward lit windows and porch lights from outside. German cockroaches scatter away from light.
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