Key Biscayne residents are certainly happy to hear that their "Island Paradise" didn't land on this list!

A recently released report by Money, Inc. - "20 Worst Places to Live in Florida: Crime, Weather, and Economic Challenges" - shows Miami-Dade County being well-represented with three cities in the Top 5, including the top two, and a fourth selection later on.

The story, by Liz Flynn, describes Florida as an attraction with its warm climate and beaches, but notes: "The Sunshine State isn't paradise everywhere you go."

"Significant challenges," such as high crime rate, inadequate infrastructure, economic struggles and natural disaster risks, are just part of the equation.

1. Hialeah: "The city struggles with high population density, which contributes to traffic congestion and limited parking options. ... The city’s infrastructure shows signs of aging, with some areas in need of repair and modernization. ... Air quality in Hialeah is a concern due to its proximity to industrial areas and heavy traffic."

2. Homestead: "The city struggles with a high crime rate, which exceeds both state and national averages. ... Poverty is a pressing issue in Homestead, with a considerable portion of residents living below the poverty line. ...The area is prone to natural disasters, particularly hurricanes."

3. Daytona Beach: "... a high crime rate, particularly property crimes and violent offenses. ... Traffic congestion during peak tourist seasons can be frustrating for year-round residents. ... Environmental concerns, such as beach erosion and water quality issues, impact the quality of life in Daytona Beach."

4. Palatka: "Certain neighborhoods lack proper maintenance, affecting the overall appearance and functionality of the community. ... Palatka’s location, while scenic along the St. Johns River, is prone to flooding during severe weather events."

5. Miami Gardens: "The city struggles with a high crime rate, which has been a persistent concern for many years. ... poverty rate above the national average ...

Some local schools have under-performed on standardized tests, potentially impacting students’ future prospects. ... The city’s infrastructure has shown signs of wear and tear.”

13. Opa-locka: "The city struggles with a high crime rate, ranking among the most dangerous in the state. ... a poverty rate well above the national average. ... Poorly maintained roads, aging buildings, and inadequate public facilities detract from the quality of life for residents."

For the complete Money Inc., report, click here .