This information is being provided to you because the entire Town is in a flood hazard area, which means all properties located within the Town (including yours!) are in the flood hazard area. It is imperative that you know what to do to minimize flood damage. Since Bay Harbor Islands is comprised of two barrier islands surrounded by Biscayne Bay, a storm surge may flood the entire Town. Any storm surges experienced here will most likely be as a result of a hurricane or tropical storm.