Cutler Bay, FL, United States

At a population of just 45,425, Cutler Bay may seem like a sleepy suburb, but the reality is a bureaucratic headache. The town's council-manager form of government has resulted in a "Town Center" building that sits 33% occupied, a symbol of the local government's inability to effectively manage growth. And with Cutler Bay's low-lying coastal location, residents must contend with the ever-present threat of flooding during the rainy season and hurricane season. While the town has seen steady population growth since its incorporation in 2005, rising to 45,425 as of the 2020 census, Cutler Bay is best suited for those unfazed by governmental red tape and willing to brave the area's climate challenges.