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Flood Insurance

Always carry flood insurance! Regular homeowner’s insurance does not cover flood losses, but during the life of an average mortgage, residents have a 26% chance of experiencing a major flood disaster during the life of a 30 year mortgage. Flood insurance through the NFIP is available by contacting a licensed property and casualty insurance broker. Limits to coverage are $250,000 for residential structures and $500,000 for commercial structures.

If you are currently covered, double-check that the building coverage is adequate and make sure you have contents insurance. Contents insurance can also be purchased with a separate premium under the same policy. Limits to contents coverage are $100,000 for residential and $500,000 for non-residential.

  1. Bay Harbor Island FL Homepage

  1. Town of Bay Harbor Islands

  1. Mayor Joseph J. Gardner Government Center

  1. 9665 Bay Harbor Terrace

  1. Bay Harbor Islands, FL 33154

  1. Bay Harbor Islands Police Department

  1. Non-Emergency Phone: (305) 866-6242

  1. Emergency Phone: 9-1-1

  1. Building & Zoning Department

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