FIRM (Fair Insurance Rates in Monroe) is an organization that advocates for fair, equitable, and affordable property insurance coverage for residents and property owners in Monroe County, Florida. They fight against excessive, discriminatory, and unaffordable insurance rates and aim to protect property values and contribute to housing affordability. FIRM empowers residents to make informed decisions about property insurance coverage, the claims process, mitigation, and storm preparedness. They provide resources and helpful links on flood insurance, flood maps, the NFIP (National Flood Insurance Program), home elevation education projects, and more. FIRM also offers a guide that answers basic questions about windstorm and flood insurance in Monroe County.
FIRM is currently accepting applications for the Flood Mitigation Assistance (FMA) grant program, which provides funds to elevate, demolish/reconstruct, or sell homes that are below base flood elevation or at risk of flooding. They are also building a database of how premiums are affected by FEMA's Risk Rating 2.0 methodology to show real-life examples of how homeowners will be affected by flood insurance rate increases. Overall, FIRM aims to help residents navigate the complexities of windstorm and flood insurance in the Florida Keys while advocating for fair rates and supporting community resilience.