City vs city
Bay Harbor Islands vs Miami, FL
Miami currently scores 4 points higher overall than Bay Harbor Islands, with the largest gap in hail.
Use this comparison for relocation decisions, insurance shopping, and hazard-prioritized mitigation planning.
Hazard breakdown
Scores describe each city’s reference grid tile, not every property. A missing model is unavailable, not zero risk. Air quality uses an ingested EPA AirNow snapshot and may not reflect current conditions; other factors describe baseline exposure. The overall score blends different hazards and is not a probability of damage. Read the scoring methodology and sources.
Overall
Bay Harbor Islands: 56/100 · Miami: 60/100
Miami is 4 points higher.
Flood
Bay Harbor Islands: 58/100 · Miami: 73/100
Miami is 15 points higher.
Bay Harbor Islands: FEMA NFHL flood zones: 21 features intersect this tile.
Miami: FEMA NFHL flood zones: 12 features intersect this tile.
Wind
Bay Harbor Islands: 73/100 · Miami: 73/100
No gap.
Bay Harbor Islands: Wind exposure derived from ingested design wind / climatology tiles.
Miami: Wind exposure derived from ingested design wind / climatology tiles.
Lightning
Bay Harbor Islands: 71/100 · Miami: 65/100
Bay Harbor Islands is 6 points higher.
Bay Harbor Islands: Lightning exposure derived from ingested climatology tiles.
Miami: Lightning exposure derived from ingested climatology tiles.
Tornado
Bay Harbor Islands: 50/100 · Miami: 35/100
Bay Harbor Islands is 15 points higher.
Bay Harbor Islands: Tornado risk derived from NOAA SPC historical reports.
Miami: Tornado risk derived from NOAA SPC historical reports.
Hail
Bay Harbor Islands: 54/100 · Miami: 85/100
Miami is 31 points higher.
Bay Harbor Islands: Hail risk derived from NOAA SPC historical reports.
Miami: Hail risk derived from NOAA SPC historical reports.
Storm surge
Bay Harbor Islands: 83/100 · Miami: 83/100
No gap.
Bay Harbor Islands: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Miami: Storm surge exposure derived from NOAA SLOSH MOM (AGL) data.
Wildfire
Bay Harbor Islands: 44/100 · Miami: 48/100
Miami is 4 points higher.
Bay Harbor Islands: Wildfire exposure derived from ingested fire potential tiles.
Miami: Wildfire exposure derived from ingested fire potential tiles.
Ingested air quality
Bay Harbor Islands: 16/100 · Miami: 16/100
No gap.
Bay Harbor Islands: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.
Miami: Air quality score derived from the latest ingested EPA AirNow AQI grid; may not reflect current conditions. See methodology for the recorded ingest date.