Hmmmm...are you on the water or otherwise in a flood zone?
bump
What worries me is the possibility of waterspouts. There are no barrier islands directly opposite my area. To the north, there's Key Biscayne, and to the south, there's Sands Key, which is followed by the rest of the Florida Keys. So there's a large gap where I am. If a waterspout forms out there in Biscayne Bay in my area, there's nothing to block it or slow it down if it comes at Cutler Ridge.