Help us fight for fair
wind and flood insurance rates
For Monroe County, Florida
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Fair Insurance Rates for Monroe
For 20 years, FIRM, a grassroots nonprofit that started in our island neighborhood, has saved Monroe County property owners more than $760 million.
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
FIRM advocates for Monroe County residents, businesses and homeowners. We have fought successfully since 2006 against excessive, discriminatory and unaffordable property insurance rates.
FIRM empowers Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.
New this week at FIRM
ESCAPE TO LITTLE PALM ISLAND IS BACK!
FIRM's Escape to Little Palm Island is back with a 2-night stay! Enjoy Island Escape Suite accommodations, discretely located on Little Palm Island. With a natural white sand beach, gourmet dining...
FIRM’s Top Priorities
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
Wind Insurance
Most Monroe County residents get wind insurance from Citizens, the state-run insurance organization
Flood Insurance
Federal flood insurance is mandatory in Florida. Risk Rating 2.0 determines your rates.
Property Insurance
FIRM helps you navigate the complex Florida property insurance requirements
Elevate your Home
Let FIRM help you access grants and programs to protect or elevate your home
Legislation
FIRM’s advocacy efforts in Tallahassee have saved homeowners more than $900 million
Latest news from Monroe County, Florida and the US
FIRM regularly monitors the news, information and legislation affecting wind, flood and property insurance rates in the Keys. We choose only the most reliable sources to ensure you get the best information on which to make decisions.
OCTOBER TIP OF THE MONTH: PEACE OF MIND FOR RENTERS
Florida Insurance Commissioner Mike Yaworsky is approving major rate decreases for rental insurance policies that will be effective this October. American Modern Home Insurance Company is now approved for an average -12.8% rate decrease for HO-4 policies, affecting...
FEMA FLOOD MAP UPDATE
In January 2020, FEMA held Community meetings throughout the Keys, offering the public an...
ESCAPE TO LITTLE PALM ISLAND IS BACK!
FIRM's Escape to Little Palm Island is back with a 2-night stay! Enjoy Island Escape Suite...
SEPTEMBER TIP OF THE MONTH: CLARIFYING NFIP’S RATINGS AND CLAIMS TERMS
Under the National Flood Insurance Program, there is a big difference between how your claim is...
About Fair Insurance Rates for Monroe
Our Mission
FIRM fights for fair, equitable and affordable property insurance coverage for homeowners, residents and business owners, which protects property values and contributes to housing affordability.
Our Board
The Board of Directors has expertise in engineering, lodging, grant-writing, insurance, fundraising and homeowner/condo associations and supports our active committees
Our History
Since 2006 FIRM has empowered Monroe County residents to make informed decisions about property insurance coverage, the claims process, mitigation and storm preparedness.
Our Finances
FIRM believes financial transparency benefits our mission in the Florida Keys. Our annual reports and 990 filings are always available to the public to ensure we are responsible stewards of the public and private financial support of our members.
What is FIRM is doing today?
If you're afraid renters' insurance won't fit into your already tight budget, now's the time to take another look. Florida's Insurance Commissioner just announced a big decrease in renters' insurance. You might be surprised at how much protection you can get for a decent cost. Check out FIRM's website to see how you can protect yourself and your property.
firmkeys.org/2026/10/october-tip-of-the-month-peace-of-mind-for-renters/
#rentersinsurance #floridakeysrentals
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OCTOBER TIP OF THE MONTH: PEACE OF MIND FOR RENTERS
Florida Insurance Commissioner Mike Yaworsky is approving major rate decreases for rental insurance policies that will be effective this October. American Modern Home Insurance Company is now approved for an average -12.8% rate decrease for HO-4 policies, affecting...
Ready to elevate your home?
FIRM's Elevation Education Project explains the process for elevating and storm-proofing your home and connects you with the sources and contractors to manage your project.
Download our property insurance guide
Our comprehensive property insurance guide helps you navigate wind, flood and homeowner insurance requirements in Florida, Monroe County and the Keys.
Our Supporters and donors
Monroe County, FL
City of Key West
Marathon & Lower Keys Assn. Realtors
Key West Assn. Realtors
Sexton Family Foundation Trust
Little Palm Island
Village of Islamorada
First Horizon Foundation
First State Bank of the Florida Keys
City of Marathon
Sugarloaf Shores Property Owners
