The most common and most likely answer to this crossword clue is the 10 plus 3 letter word FRESHWATER BAY
I've seen this crossword clue in Independent
F
R
E
S
H
W
A
T
E
R
B
A
Y
Buddy explains!
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.