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Claim or joinLegal name: BAY HAMMOCK OWNERS' ASSOCIATION, INC.
Association · Islamorada, FL
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See also the Florida HOA Act (Fla. Stat. Ch. 720).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Relatively High composite risk for this neighborhood area · 95th percentile of FL neighborhood areas
47 federal disaster declarations for this county, including 26 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · ISLAMORADA, VILLAGE OF
CRS class 5: community flood-mitigation rating, 1 is the strongest discount
2,546 flood policies in force in this ZIP (1,001 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 33036
2020 +14.5% · 2021 +5.6% · 2022 +34.3%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
From public officer filings · 2026 Q2 snapshot
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24% of nearby housing sits in 5+ unit buildings, most of it built in the 1980s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Monroe County: Flood, Dec 29, 2024.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Monroe County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
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Verified vendor companies serving Monroe County, FL. Listing only, not an endorsement.
Common Elements verified vendor directory
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State filing
On file as BAY HAMMOCK OWNERS' ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Bay Hammock Owners' Association, INC.
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